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 loan calculator

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1 year
30 years
+ Free home insurance
755.52 EUR
Monthly payment
144 000.00 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: 145 393.05 EUR
Annual percentage rate (APR): 5.01 %
+ Free home insurance
401.37 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.

How does Euribor affect the loan payment?

  • Euribor (European Interbank Offered Rate) is the average interest rate for pan-European interbank lending, which changes daily. The home loan interest rate is linked to the personal margin and the Euribor and is therefore variable. Citadele offers Euribor fixing for 6 months. If Euribor has increased during this time, the loan payment will also increase.
  • Due to the changing interest rate and monthly loan payments, it is important to assess whether it is still possible to successfully pay the loan with a higher monthly payment. For example, for a loan amount of 100,000 euros taken for a 30-year period, a 1% increase in interest will increase the monthly payments by about 50 euros. The bigger the loan amount, the greater the effect of the interest rate change on the monthly payment.
  • If you have already taken or are planning to take a home loan, you can calculate the effect of the interest rate change on your monthly payment in our loan calculator.
Euribor rate
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Pay less for your loan for the first five years!

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Delay your principal payments for five years and pay only interest.

Find out more
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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 01.01-31.03.2023.

Apply for a loan

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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Now, for the five years, you can just pay interest on your mortgage and delay the principal payments. To use this, the following terms must be fulfilled.

  • The loan is for the purchase, construction, or purchase and renovation of a home.
  • The home was constructed in the last 10 years.
  • The loan is the only mortgage held by all borrowers (the borrower and co-borrower).
See example
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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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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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Great-value offer

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If you apply for a home loan in Citadele, we are offering a special fixed interest rate 7.9% per year on our consumer loans.1

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
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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

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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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
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
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

Financing up to 20 000 EUR to help with your plans. Apply and receive an answer within 20 minutes.
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.
Learn more
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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.
Learn more
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Leasing

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

Example of delaying the principal for 5 years

Loan with delayed principal payments for 5 years Loan with standard repayment schedule
Purchase amount 100 000 EUR 100 000 EUR
Down payment 25 000 EUR (25%) 15 000 EUR (15%)
Loan amount 75 000 EUR 85 000 EUR
Loan term 30 years 30 years
Interest Rate 2.5% + 6M EURIBOR2 2% + 6M EURIBOR3
Monthly payment for the first 5 years 332.50 EUR 446.99 EUR
Monthly payment after 5 years 452,54 EUR 446,99 EUR
Loan with delayed principal payments for 5 years
Purchase amount 100 000 EUR
Down payment 25 000 EUR (25%)
Loan amount 75 000 EUR
Loan term 30 years
Down payment 25 000 EUR (25%)
Loan amount 75 000 EUR
Loan term 30 years
Interest Rate 2.5% + 6M EURIBOR2
Monthly payment for the first 5 years 332.50 EUR
Monthly payment after 5 years 452,54 EUR
Loan with standard repayment schedule
Purchase amount 100 000 EUR
Down payment 15 000 EUR (15%)
Loan amount 85 000 EUR
Loan term 30 years
Interest Rate 2% + 6M EURIBOR3
Monthly payment for the first 5 years 446.99 EUR
Monthly payment after 5 years 446,99 EUR

1 The offer is applied only to new mortgage loan applications. The initial annual percentage rate is 8.34% on the following sample: amount of credit 5000 EUR, interest rate 7.9% per year (fixed rate), contract fee 0 EUR, period 48 months, monthly payments 122.12 EUR, total amount of repayment 5861.76 EUR.
2 The initial annual percentage rate is 5.62% on the following sample: loan amount 75 000 EUR, floating interest rate 5.320% per year (margin 2,5% + six-month Euribor 2,820% on 10.01.2023), contract fee 750 EUR, period 360 months, number of repayments 360, amount of repayments 155,710.91 EUR, total amount 156,460.91 EUR, only interest is paid for the first 60 months, rest of the period 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.
3 The initial annual percentage rate is 5.09% on the following sample: loan amount 85 000 EUR, floating interest rate 4.820% per year (margin 2% + six-month Euribor 2.820% on 10.01.2023), contract fee 850 EUR, period 360 months, number of repayments 360, amount of repayments 160 915.11 EUR, total amount 161 765.11 EUR, monthly 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.

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.