Home loan

Financing of up to 90%

Apply for a home loan

  • Competitiveinterest rates
  • Within 1 dayreceive your offer
  • Up to 30 yearsloan period

Financing is easy

At the moment, you’re thinking about finding a great home. You want clarity on what you can afford to spend. We’ll prepare individual offer for you, to help fulfill your dreams.

Low interest rates and flexible terms!

  • Loan period  up to 30 years
  • You can repay your loan faster

Apply for a home loan

Let’s calculate together

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300 000 EUR

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95 %

Calculated loan amount is smaller than minimal

The result is approximate and may differ from the terms to be offered to you.  *The initial annual percentage rate is 2.12% on the following sample: amount of credit EUR 60,000, down payment 15% (with SA KredEx guarantee 10%), floating interest rate 2.0% per year (six-month Euribor** + min margin of 2.0%), contract fee EUR 600, period 360 months, number of repayments 360, amount of repayments EUR 80 274,95, total amount EUR 80 874,95, 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.  **Any negative value of Euribor is counted as zero.

Families with children

Young families with children need even more opportunities! With the support of KredEx you will receive:

  • Deposit up to 10% of the transaction sum.
  • Citadele financing that may cover up to 90% of the value of the property.

KredEx’s support programme

Sustainable customers

Are you educated? Do you care about environment? We can offer you a good deal.

  • With KredEx program young customers with a degree of education can buy a home with a smaller deposit. It is available to those younger than 35 years.
  • Together with KredEx we will support buying an energy-efficient home or help you increase energy performance of an existing home.

KredEx’s support programme

From renovating an apartment to a private house with a sauna. Your dreams have no limits!

  • House or apartment purchase. Citadele will finance 80-85% of the home value. 
  • Home renovation. Financing from 10,000 Euro up to 80% of the value of the home. Repay over a period up to 20 years. For renovations with smaller expenses, we recommend using a consumer loan.
  • Purchase of land plot and Building your dream home. Get financing of 70-85%. Repay within a period of up to 30 years.
  • Refinancing loans on better terms. We will finance up to 80% of the home value, repay over a period of up to 20 years.
  • Money for other needs. Using your property as collateral, you can get a loan with a lower interest rate for developing your business, education or for other needs. Financing of up to 80% of the home value, repay over a period of up to 15 years.
  • What else? Our standard offers finish here. Maybe you have a different idea?

Apply for a home loan

We will help you with the practical side of the purchase

Our clients like how our experts keep everything in its place and help throughout the entire home-buying process. During the consultation:

  • We will tell you about the home purchase process from A to Z
  • We will discuss other valuable advantages that you can receive if you have higher education, a bigger family with kids or you are considering buying energy efficient home.

Apply for a home loan

Even more opportunities

  • Consumer loan

    Financing of up to 7,000 Euro. Interest rate from 9% per year.

    Receive an offer

  • X smart

    From ordinary card to X smart. Card that provides more for everyday spending.

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  • Leasing

    Quick and easy application. WE finance up to 90% of the value of the vehicle.

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