Home loan

Affordable, fast and convenient option to buy, build or renovate a home.

Benefits

Applying for a home loan

1

Fill in a loan application

Fill in a loan application on paper or electronically. Our bank`s customers can submit the application though Netbank.

2

We will contact you

We will review your application and get in touch with you.

3

Sign the loan agreement

Sign the loan agreement at a bank office of your choosing.

4

Going to the notary

At the notary`s office, a mortgage is set up for the guarantee.

5

Loan issuance

We will transfer the loan to your account.

Necessary documents

  • Loan applicant(s)` passport or ID-card.
  • Applicant(s)` bank account(s)` statement from the last 6 months. If income has been received at our bank for the past 6 months, then a bank statement is not necessary.
  • Valuation report of the object , offered as loan guarantee, drawn up at a real estate office accepted by the bank. The loan applicant orders the valuation report of the object offered as a guarantee for the loan and will bear the cost of compiling the valuation report according to the real estate appraiser`s pricelist.
  • In case of renovation or construction work, a calculation or other construction-related documents. For example, a construction project, building permit, a contract with the builder etc.
  • Loan application. The application can be submitted on paper or electronically. Our bank`s customers can submit the application though Netbank.

Useful links

Are you thinking of buying a home?

You might be also interested in: Home insurance, Loan insurance

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.