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

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Home loan for variety of needs | Bank Citadele

Home loan

No agreement fee for your home loan when you buy a home from a real estate developer. Offer applies 01.01-31.12.2022.

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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

Choose your goal:

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I have already found the property

Apply online and receive an offer

Apply for a loan
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I am interested in my options

Fill in the calculator and find out how much you can borrow

View options
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I have already found the property

Fill in the calculator and find out how much you can borrow

Apply for a loan
branch

I am interested in my options

Fill in the calculator and find out how much you can borrow

View options

Home loan calculator

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1 year
30 years
+ Free home insurance
525.08 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: 144 500.00  EUR
Total amount payable: 188 813.45 EUR
Annual percentage rate (APR): 1.90 %
+ Free home insurance
519.76 EUR
Monthly payment
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The calculations made using the calculator are of an informative nature and each client's situation is assessed individually.

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
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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  • 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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  • Unlimited options for using your loan: from renovating your home to starting a business.
  • Financing up to 70% of the value of the collateral
  • Term up to 15 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
  • 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 have a home loan in Citadele, we are offering a special fixed interest rate 9% per year on our consumer loans.*

Lower costs on buying a home!

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Great value! When you buy a home from a real estate developer, there is no loan agreement fee. Offer applies 01.01-31.12.2022.
Apply for a loan

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
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.

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.

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

More opportunities

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Consumer loan

Financing up to 7000 EUR to help with your plans. Apply and receive an answer within 20 minutes.
Find out more
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Car loan

Financing up to 7000 EUR without any additional collateral or security
Find out more
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Leasing

Quick and easy application. Down-payment starting from 0%
Find out more
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X cards

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

Example for home loan calculator: The initial annual percentage rate is 1.99% on the following sample: amount of credit 60,000 EUR, down payment 10%, floating interest rate 1.9% per year (six-month Euribor + min margin of 1.9%), contract fee 600 EUR, period 360 months, number of repayments 360, amount of repayments 78,760.80 EUR, total amount 79,360.80 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.

* The initial annual percentage rate is 11.02% on the following sample: amount of credit 2000 EUR, interest rate 9% per year (fixed rate), contract fee 50 EUR, period 48 months, monthly payments 49.91 EUR, total amount of repayment 2445.68 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.