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Learn more about housing loan
Housing loan calculator
The purchase price of the real estateTap to close
The customer’s co-financing, starting from 15%. With Altum guarantee, the co-financing may be reduced to 5%.Tap to close
The estimated loan repayment term. The maximum term of the loan is 30 years.Tap to close
Monthly installment
The monthly instalment consisting of the principal amount of the loan and interestTap to close
How is my loan calculated?
The amount of interest paid during the loan repayment term and calculated according to the bank’s interest rate shown below.Tap to close
The fee according to the Bank’s pricelistTap to close
The state fee and registry charge payable to the state for mortgage registrationTap to close
The loan amount and total costs of the loan (all costs, including interest, commissions and other costs to be paid in relation to the loan agreement and known to the Bank, excluding notary services, property valuations and insurance costs, fees for registration of ownership rights with the land register, and any charges for non-compliance with the loan agreement)Tap to close
A variable 6-month Euribor rate of 2.151 % per year, effective as at 05.05.2025, is used in the calculation. The fixed part of the rate is indicated for information only and may vary from case to case.Tap to close
A fixed interest rate for a period of 5 years is used in the calculation, 4.1% per annumTap to close
The annual percentage rate is the total cost of the loan, expressed as an annual interest of the loan amount, including all known costs, i. e., interest, commissions, and other costs to be paid in relation to the loan agreement. The annual percentage rate allows you to objectively compare different loan offersTap to close
The displayed result is informative and based on the approximate calculation. Creditor: Luminor Banka AS Latvian branch. The pledged property must be insured. Notary fees, property valuation and insurance costs are not known to the bank and are therefore not included in the annual percentage rate of charge. The fulfillment of obligations under the loan agreement will be secured by a real estate mortgage.
The bank’s interest rate consists of a fixed part and a variable part. The fixed part of the interest rate will be set for each customer individually. The variable part of the interest rate is Euribor, the rate, at which banks may borrow funds at the interbank market of European Union countries. This part of the rate changes after a certain period (for example, 3 months or 6 months) as agreed upon between the customer and the bank. Learn more about Euribor here.
Information from previous tab is used for calculations. You can switch back and make changes if necessary.
Your salary or other monthly income (pension, social benefits, grants, property income) received on the bank account. If you apply loan with a co-borrower or guarantor, please add your total income to the calculator.Tap to close
The sum of your monthly loan payments, including home loan, leasing, consumer loan etc. Do not include your daily living expenses here. Tap to close
Total remaining loan amount of your existing liabilities (mortgage, leasing, consumer loans and others) Tap to close
Number of children under 18 years or adults under legal custody in your household. Tap to close
: EUR
The displayed result is informative and based on the approximate calculation.Tap to close
Maximum monthly loan payment: EUR
