If you are searching for a new home or have already have found one, then we have an offer for you – when purchasing a new apartment in newly built house or newly built semi-detached house, the loan agreement will be without an agreement fee.

0 EUR agreement fee

0 EUR agreement fee

For purchasing new apartment in newly built house or newly built semi-detached house the loan agreement will be without agreement fee

Minimum downpayment is 10%

Minimum downpayment is 10%

Funding up to 90% with KredEx guarantee. Learn more about KredEx guarantee here

For newly built apartments and semi detached houses that have been commissioned no later than 01.01.2010

For newly built apartments and semi detached houses that have been commissioned no later than 01.01.2010

Your new apartment serves also as collateral*

Receive consultations remotely

Receive consultations remotely

You don’t have to come to customer service center to receive a housing loan consultation. Book your online meeting time by calling +372 628 3300

Real estate and new developments offers from our partners

Offer valid for:


Representative example of a housing loan:

Loan amount Loan maturity Floating interest rate per year Agreement fee
EUR 70,000 30 years 2.4 % + 6 months Euribor  EUR 0
Repayments Total amount of repayments Total amount payable Annual Percentage Rate (APR)
360  EUR 98,265  EUR 98,265 2.43 %

These estimates are for information only. The bank's offer may vary from case to case.

Our standard housing loan offer

Useful links

Home loan general information
Pricelist
Bank`s general terms and conditions
Real estate appraisers
Home insurance
 Loan recipient`s reminder
 Surety provider`s reminder
 Pledgor`s reminder
 Examples of annual percentage rate

Before concluding a loan agreement, please read the loan agreement terms and conditions, and risks related to non-fulfilment of obligations arising from the loan agreement and if necessary, consult an expert. The loan provider is Luminor Bank AS, headquarters located at Liivalaia 45, 10145 Tallinn.