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- Documents
Mortgage Loan
Find best mortgage loan solution that is tailor made for your needs.
More about Mortgage loan
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How much I can borrow?
- The loan amount will be set individually, it will depend on your family income and the value of your pledged asset. The maximum loan amount is up to EUR 30000
- Loans are extended in Euro
- Mortgage loans are provided to private individuals over 21 years of age
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Interest and maturity
Loan interest rates are determined on an individual basis. The interest rate consists of the bank's interest margin and the inter-bank floating (variable) or fixed interest rate.
You can choose a variable rate or a fixed rate loan:- If you choose a variable interest rate, it will change every 6, 12 months throughout the term of the loan agreement depending on changes to the selected inter-bank interest rate –EURIBOR
- If you choose a fixed interest rate, it will be fixed for all term of the loan. You will be guaranteed that your monthly payments will not change
The term of the loan may never exceed 15 years.
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Loan repayment
You can repay a loan by the:
- Linear method – the loan is repaid in equal parts and interest is calculated on the remaining loan balance, thus repayments to the bank gradually decrease each month
- Annuity method – equal amounts are repaid each month consisting of loan repayments and monthly interest
Terms and Conditions
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Documents requested by the bank
- Filled out application to receive a loan
- Personal identity documents: your and your spouse's/guarantor's passports or personal identity cards
- Documents proving your income: detailed statements from your place of employment on received income, income declarations, if the income must be declared as established by the laws, and other documents proving your income (to be presented only when the income is not presented in the SoDra database)
- A property assessment report of the property assessors acceptable for the bank
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Property evaluation
The property valuation companies, which signed an agreement on cooperation with Danske Bank:
Bank assessorTownUAB „Aidila“KlaipėdaUAB „Apus turtas“LithuaniaLithuaniaUAB „Butas tau“Vilnius, Vilniaus rajonas, Kaunas, KlaipėdaUAB „Capital vertinimas“LithuaniaVilniusUAB „Domus Optima“Vilnius, Kaunas, KlaipėdaUAB „Inreal“Vilnius, Kaunas, Klaipėda, Šiauliai, Panevėžys, Mažeikiai, Plungė, AlytusUAB„JG Valuations“LithuaniaUAB „Kovertas“LithuaniaUAB „Latmas“Kaunas, VilniusLithuaniaUAB „Ober-Haus“Vilnius, Kaunas, Klaipėda, Šiauliai, PanevėžysUAB „NEWSEC“Vilnius, Kaunas, Klaipėda, Panevėžys, ŠiauliaiUAB „Turto spektras“Vilnius, Kaunas, KlaipėdaUAB „Verslavita“Vilnius, Kaunas, Klaipėda, Šiauliai, PanevėžysUAB korporacija „Matininkai“LithuaniaVĮ „Registrų centras“LithuaniaYou can select the property valuer or the property valuation company not included in the list of companies, which signed the cooperation agreement with us.
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Property insurance
The property that you pledge to the bank, except from land, must be insured by property insurance.
You can get property insurance at any property insurance company acceptable to the bank:- ERGO Insurance SE Lietuvos filialas
- AB „Lietuvos draudimas“
- „Seesam“ Insurance AS Lietuvos filialas
- AAS „Gjensidige Baltic“
- „If P&C Insurance AS“ Lietuvos filialas
- Akcinė draudimo bendrovė "Gjensidige“
- AAS „BTA Baltic Insurance Company“ filialas Lietuvoje
- UADB COMPENSA VIENNA INSURANCE GROUP
Disclosure
The obligation to refund the credit is ensured with real estate mortgage (hypothec). In case of failing to perform the obligations undertaken as per the credit agreement you risk to lose your ownership rights to the mortgaged real estate.
