Build your personalized home loan

*Only from 29.11.2021. - 16.01.2022. apply for a policy via Luminor webpage and receive it with a 10% discount.

• Insurance against fire, water, natural forces, theft, and malicious damage to buildings
• Covers 1) your own building and home contents, 2) your neighbors’ property (e.g. a leak from your flat), 3) all others (if your child or another member of your family causes damage) 4) personal accidence insurance
• Choose between All-risk insurance (Premium) option or lower protection options to get the insurance that fits your needs

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• Valuation of your new property is mandatory but can take a long time to set up
• No need to spend time on finding / ordering property valuation, let Luminor take care of it for you
• Valuation will be provided for free for new development properties from Luminor partners. For other properties there will be a tailored price for you.

• Insurance that pays out a defined sum to repay the outstanding mortgage amount in case of the death of the insured person during the lifetime of the loan
• Option to add coverage against loss of working capacity (permanent disability)
• Product available for main borrower and your guarantor

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• Receive monthly compensation directly to your bank account up to 11 months even if social guarantees are provided from the state
• Help to keep your usual standard of living and personal budget in tough times
• Option to choose protection levels based on your needs (from €100 per month)

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• Free cash withdrawals up to € 600 per month from Luminor’s ATMs at Baltics and € 400 per month from any ATMs around the world.
• Extensive travel and baggage insurance for your family.
• Apply for credit limit to finance larger purchases.

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• No dependence on fluctuations in Euribor.
• At the end of the fixed period (up to 5 years) your payments will be calculated based on floating interest rate. You will also have an opportunity to apply for new fixed rate.