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

1 years
30 years
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781.85 EUR
Monthly payment
144 000.00 EUR
Loan amount

* Fixed margin + 6m Euribor
The calculations made using the calculator are of an informative nature and each client's situation is assessed individually.

1 years
30 years
Loan amount: 76 500.00 EUR
Total amount payable: 150 294.60 EUR
Annual percentage rate (APR): 5.31 %
collateral house
415.36 EUR
Monthly payment

* Fixed margin + 6m Euribor
The calculations made using the calculator are of an informative nature and each client's situation is assessed individually.

Home refinancing loan

Bring your loan to us!

Request an offer to refinance your mortgage from another bank.

  • Personalized interest rate.
  • Easy application process.

Special offer1

  • We will compensate the cost of notary fees and the property appraisal*.
  • With a home refinancing loan, you get bill protection insurance for free for the first four months.

* Based on invoices after the notary transaction, but not exceeding 800 EUR per loan application. In making the loan decision, each client is analyzed individually. The offer is valid for loan applications submitted from October 1 to December 31, 2024. The offer is valid if the client (the borrower and co-borrower) use the home bank services at Citadele after signing the agreement.

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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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.
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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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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.2

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.
Find out more
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Home energy efficiency loan

Financing of up to 25 000 EUR for the purchase of solar panels. Apply online and receive a reply within 20 minutes.
Find out more
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Car loan

Financing up to 20 000 EUR without any additional collateral or security.
Find out more
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C cards

Most convenient cards for everyday needs, as well as for shopping and travels.
Find out 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.
Find out more
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Leasing

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

The initial annual percentage rate is 5.99% on the following sample: loan amount 120 000 EUR, floating interest rate 5.724% per year (margin 1.8% + six-month Euribor 3.924% on 20.12.2023), contract fee 1200 EUR, period 360 months, number of repayments 360, monthly payments 698,31 EUR, amount of repayments 251 388.41 EUR, total amount 25 588.41 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.
1 The initial annual percentage rate is 5.42% on the following sample: loan amount 120 000 EUR, floating interest rate 5.197% per year (margin 1.8% + six-month Euribor 3.397% on 06.08.2024), contract fee 1200 EUR, period 360 months, number of repayments 360, monthly payments 658.72 EUR, amount of repayments 237 130.98 EUR, total amount 238 330.98 EUR, repayment in monthly annuity payments. The loan is to be secured by mortgage and the collateral is to be insured. The mortgage and insurance costs have not been taken into account in this annual percentage rate calculation.
2 The 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.

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