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
687.48 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: 250 053.05 EUR
Annual percentage rate (APR): 4.18 %
+ Free home insurance
689.87 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.

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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  • 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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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.**

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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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

More questions
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.
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Example for home loan calculator: The initial annual percentage rate is 2.4% on the following sample: loan amount 90,000 EUR, floating interest rate 2.3% per year (margin 2.3% + six-month Euribor 0% used in the calculation), contract fee 900 EUR, period 360 months, number of repayments 360, amount of repayments 124,675.62 EUR, total amount 125,575.62 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 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.

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.