https://www.citadele.ee/en/private/mortgage

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Home loan

One step to a new home. Up to 95% financing with an KredEx guarantee for a new house or apartment

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Personalized interest

We apply the most advantageous for each client.

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Apply online

Get the initial offer in one business day.

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KredEx guarantee

Financing together with KredEx up to 95% of the value of the collateral.

Mortgage calculator

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1 year
30 years
+ Free home insurance
800.00 EUR
Monthly payment
136 343.56 EUR
Loan amount
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The calculations made using the calculator are of an informative nature and each client's situation is assessed individually.

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1 year
30 years
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Loan amount: 76 500.00  EUR
Total amount payable: 162 493.05 EUR
Annual percentage rate (APR): 6.07%
+ Free home insurance
448.87 EUR
Monthly payment
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* Fixed margin + 6m Euribor
The calculations made using the calculator are of an informative nature and each client's situation is assessed individually.


Loan options


  • Financing up to 95% of the value of the collateral.
  • Term up to 30 years.
  • Loan amount from 20 000 EUR.
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  • Financing up to 70% of the value of the collateral.
  • Term up to 30 years.
  • Loan amount from 50 000 EUR.
  • Permit of use for the property must be presented in 24 months after signing the loan agreement.
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  • Unlimited options for using your loan: from renovating your home to starting a business.
  • Financing up to 75% of the value of the collateral.
  • Term up to 20 years.
  • Loan amount from 20 000 EUR.
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Lower costs on buying a home!

Great value! When you buy a home from a real estate developer, there is no loan agreement fee. Offer applies 01.12-31.12.2023.

Apply for a loan

KredEx housing loan guarantee


For families with children:

  • Financing up to 90% of the transaction amount.
  • Guarantee up to 20 000 EUR.
  • Term up to 30 years.
Find out more
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For professionals with higher or professional secondary education aged up to 35 years:

  • Financing up to 90% of the transaction amount.
  • Guarantee up to 20 000 EUR.
  • Term up to 30 years.
Find out more
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We will support buying an energy-efficient home or help you increase energy performance of an existing home:

  • Financing up to 90% of the transaction amount.
  • Guarantee up to 50 000 EUR.
  • Term up to 30 years.
Find out more
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KredEx offers housing loan guarantee also to other target groups:

  • A family with many children. Financing up to 95% of the transaction amount.
  • Defence Forces or Defence League veteran.
  • Tenant living in residential space returned to its pre-war owners.
  • A buyer or renovator of housing in a rural area.
Read more
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3 steps to purchasing a home

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Fill in the application

Receive an offer within one business day.
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Wait for a decision

Submit the valuation of the property, documents proving your income, and receive a decision that matches your aims and collateral.
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Receive financing

Sign the agreement, participate in notary transaction and receive your loan.
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Fill in the application

Receive an offer within one business day.
icon

Wait for a decision

Submit the valuation of the property, documents proving your income, and receive a decision that matches your aims and collateral.
icon

Receive financing

Sign the agreement, participate in notary transaction and receive your loan.

Ready to apply?

Log in using Citadele online bank. Not a Citadele customer? Log in using Smart-ID or Mobile-ID!
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Great-value offer

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We are offering a special fixed interest rate 7.9% per year on consumer loans for our new and existing mortgage loan customers.1

Want to apply?

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Log in using the Citadele online bank. Not a Citadele customer? Log in using Smart-ID or Mobile-ID!

Apply for a loan

Didn’t find the answer to your question?

Visit our interactive assistant and find the information you need

Interactive assistant
Why doesn't the principal part of the loan increase every month and the interest part decrease every month in my annuity schedule?

In annuity schedules, the loan payment is the same every month, if the interest rate and its calculation periods remain unchanged. At the beginning of the loan agreement, the interest portion of the monthly payment is larger, and the principal portion is smaller. In time, their proportions change - the interest portion decreases, while the principal portion increases. 

In the sample schedule, where the length of each month is normally calculated to be 30.42 days (365 days divided by 12 months), the annuity schedule would look like this: 

In the example, it is easy to see how the amount of the principal part increases every month and the interest part decreases every month. 

There is not an equal number of days in each month, which means that real loan schedules will not change exactly according to the sample. In their loan schedule, the customer pays interest according to the actual number of days between two monthly payments. If the number of days between monthly payments is different, then the amount of interest in the next payment may not be lower than the previous one. 

Let's imagine a situation where a customer was issued a loan amount on March 20, 2023, and he chose the 20th as his monthly payment date. 
The beginning of a realistic loan schedule would look like this: 

What does an annuity schedule that uses the actual number of days per month show? 

  • In the case of payment number 2, May 20th is a Saturday, therefore the payment will be moved to the following working day - May 22nd. The interest portion is higher in this payment compared to the previous month, because the number of days between two monthly payments is greater - the customer pays interest for 32 days, not 31 days (as for the first payment). 
  • The same situation occurs when comparing payments number 4 and 5. 
  • If the interest portion of the monthly payment increases (interest is paid for a longer period), it also changes the amount of the principal. In annuity schedules, the most important part is to keep the monthly payment amounts equal, and therefore, as the interest portion increases, the amount of the principal portion in the payment decreases. 

Here is an example where the interest and principal payments over six months are added together:

If you look at your loan schedule over longer periods, you can see that the actual schedule also moves according to the principle of the annuity schedule - over time, the interest portion decreases and the principal portion increases. 

What are the steps to get a mortgage loan?

  1. The customer fills in the application
  2. An indicative offer is prepared
  3. Additional requested documents are submitted (e.g., account statements, real estate appraisal)
  4. Decision of granting a loan
  5. The loan agreement and other documents are signed in the bank
  6. The documents shall be signed by a notary and submitted to the Land Register
  7. After the submission of the notary agreement and all other required documents to the bank, the loan amount is paid out

How to apply for a mortgage loan?

To find out the loan amount available to you, go to the Citadele website Loans → Home loan.
Fill in the loan calculator and find out how much you can borrow.

If you want to fill in a mortgage loan application, proceed by selecting the Apply online button and log in with one of the authorization devices.

Fill in the required fields in the application, provide information about yourself, existing credit commitments. If the terms and conditions of using the Kredex guarantee apply to you, the relationship manager will take this into account when making an indicative offer.

After submitting the application, you will see on the screen that the application has been created, as well as you will receive an informative e-mail about it.

More questions
Why doesn't the principal part of the loan increase every month and the interest part decrease every month in my annuity schedule?

In annuity schedules, the loan payment is the same every month, if the interest rate and its calculation periods remain unchanged. At the beginning of the loan agreement, the interest portion of the monthly payment is larger, and the principal portion is smaller. In time, their proportions change - the interest portion decreases, while the principal portion increases. 

In the sample schedule, where the length of each month is normally calculated to be 30.42 days (365 days divided by 12 months), the annuity schedule would look like this: 

In the example, it is easy to see how the amount of the principal part increases every month and the interest part decreases every month. 

There is not an equal number of days in each month, which means that real loan schedules will not change exactly according to the sample. In their loan schedule, the customer pays interest according to the actual number of days between two monthly payments. If the number of days between monthly payments is different, then the amount of interest in the next payment may not be lower than the previous one. 

Let's imagine a situation where a customer was issued a loan amount on March 20, 2023, and he chose the 20th as his monthly payment date. 
The beginning of a realistic loan schedule would look like this: 

What does an annuity schedule that uses the actual number of days per month show? 

  • In the case of payment number 2, May 20th is a Saturday, therefore the payment will be moved to the following working day - May 22nd. The interest portion is higher in this payment compared to the previous month, because the number of days between two monthly payments is greater - the customer pays interest for 32 days, not 31 days (as for the first payment). 
  • The same situation occurs when comparing payments number 4 and 5. 
  • If the interest portion of the monthly payment increases (interest is paid for a longer period), it also changes the amount of the principal. In annuity schedules, the most important part is to keep the monthly payment amounts equal, and therefore, as the interest portion increases, the amount of the principal portion in the payment decreases. 

Here is an example where the interest and principal payments over six months are added together:

If you look at your loan schedule over longer periods, you can see that the actual schedule also moves according to the principle of the annuity schedule - over time, the interest portion decreases and the principal portion increases. 

What are the steps to get a mortgage loan?

  1. The customer fills in the application
  2. An indicative offer is prepared
  3. Additional requested documents are submitted (e.g., account statements, real estate appraisal)
  4. Decision of granting a loan
  5. The loan agreement and other documents are signed in the bank
  6. The documents shall be signed by a notary and submitted to the Land Register
  7. After the submission of the notary agreement and all other required documents to the bank, the loan amount is paid out

How to apply for a mortgage loan?

To find out the loan amount available to you, go to the Citadele website Loans → Home loan.
Fill in the loan calculator and find out how much you can borrow.

If you want to fill in a mortgage loan application, proceed by selecting the Apply online button and log in with one of the authorization devices.

Fill in the required fields in the application, provide information about yourself, existing credit commitments. If the terms and conditions of using the Kredex guarantee apply to you, the relationship manager will take this into account when making an indicative offer.

After submitting the application, you will see on the screen that the application has been created, as well as you will receive an informative e-mail about it.

More opportunities

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Consumer loan

Up to 20 000 EUR to fulfill your dreams.
Learn more
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Home energy efficiency loan

Financing of up to 20 000 EUR for the purchase of solar panels. Apply online and receive a reply within 20 minutes.
Learn more
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Car loan

Financing up to 20 000 EUR without any additional collateral or security.
Learn more
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X cards

Most convenient cards for everyday needs, as well as for shopping and travels.
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Mobile app

Use the bank’s services at a time and place convenient to you. Confirm payments using your face or fingerprint.
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Leasing

Quick and easy application. Down payment starting from 10 %.
Learn more

The initial annual percentage rate is 6.13% on the following sample: loan amount 120 000 EUR, floating interest rate 5.874% per year (margin 1.8% + six-month Euribor 4.074% on 10.11.2023), contract fee 1200 EUR, period 360 months, number of repayments 360, amount of repayments 255 515.97 EUR, total amount 256 715.97 EUR, repayment in monthly annuity payments. The loan is to be secured by mortgage and the collateral is to be insured. The insurance premium depends on the size of the housing and the insurer. The mortgage and insurance costs have not been taken into account in this annual percentage rate calculation.
1The initial annual percentage rate is 8.19% on the following sample: amount of credit 5000 EUR, interest rate 7.9% per year (fixed rate), agreement fee 0 EUR, period 48 months, monthly payments 121.84 EUR, total amount of repayment 5847.75 EUR.
This is the website of the financial service providers AS Citadele banka Estonian branch, SIA Citadele Leasing Estonian branch ja OÜ Citadele Factoring. We advise you to carefully read the terms and conditions of our service before entering into a contract and consult an expert, if necessary. Citadele does not provide a credit advisory service for the purposes of the Creditors and Credit Intermediaries Act. The borrower makes the decision of taking out a loan, who assesses the suitability of the loan product and contractual terms to his/her personal loan interest, need and financial situation on the basis of the information and warnings presented by the bank and is responsible for the consequences related to concluding the agreement.