Construction land purchase loan

Great value! Receive a lower rate on the fixed portion of your interest for the first 12 months if you submit a new loan application from 01.04 – 30.06.2024.*

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Apply remotely

Find out your next steps for processing your loan within 24 hours of submitting your application.

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Financing of up to 60%

Receive a personalised interest rate at better terms when you submit a new loan application from 01.04 – 30.06.2024.*

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Great terms

Sign a contract for up to 10 years and repay however is most convenient.

Mortgage interest payment compensation for existing borrowers

In accordance with amendments to the Consumer Rights Protection Law, borrowers with a mortgage who comply with the criteria set out in the law will receive compensation for the interest payments they make in 2024. The State Revenue Service will disburse compensation for the first quarter of 2024 by 30.04.2024. We will inform borrowers of the amount they will receive by the 10th April, 2024, through the Citadele online bank and mobile app. You do not have to apply to receive compensation.

1 years
10 years
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800.00 EUR
Monthly payment
40 305.49 EUR
Loan amount

The calculations made using the calculator are of an informative nature and each client's situation is assessed individually.

1 years
10 years
Loan amount: 36 000.00 EUR
Total amount payable: 51 527.20 EUR
Annual percentage rate (APR): 7.98 %
collateral house
425.26 EUR
Monthly payment

* Fixed margin + 6m Euribor
The calculations made using the calculator are of an informative nature and each client's situation is assessed individually.

Loan conditions for land purchase

Purchase the land you have your eye on for building a home now, and build later.

  • Financing of up to 60% of the value of the land.
  • Loan from 20 000 EUR, loan term up to 10 years.
  • A lower rate on the fixed portion of your interest for the first 12 months when you submit a new loan application between 01.04 – 30.06.2024.*
  • A loan for purchasing land up to 3000 m2.
  • You can repay the loan before term at no additional cost.
  • See great offers from our partners here.
Apply for a loan
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Great-value offers

If you have a Citadele mortgage, we can offer a loan or credit card limit with a better fixed interest rate.

  • Consumer loan, small home loan, card credit limit: 7.9% – 9.9%.**
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Home purchase consultations

Receive answers to all your questions regarding purchasing or building a home, and discover the mortgage options open to you based on your situation.

Apply for a consultation

More opportunities

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Mortgage loan

Financing with an ALTUM guarantee of up to 95% for your house, apartment, construction or ambitious renovations.
Learn more
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Green mortgage loan

For financing green homes at great-value loan terms. Financing up to 95% with ALTUM guarantee.
Learn more
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Small home loan

Financing up to 20 000 EUR for purchasing, renovating or furnishing. With no deposit, collateral and security.
Learn more
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Consumer loan

Financing of up to 20 000 EUR to help with your plans. With no deposit, collateral and security.
Learn more
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Home energy efficiency loan

A personally-calculated offer for up to 20 000 EUR. With no deposit, collateral and security.
Learn more

* Example: if you take out a 15-year loan secured by a real estate mortgage for 40 000 EUR with an interest rate per year of 4.25% + 6-month EURIBOR (for the purposes of this calculation, we have used the 6-month EURIBOR rate as of 02.01.2023, which is 2.732%), then your monthly payment is 359.13 EUR (for a total of 180 payments). APR 7.51%. The total amount to be paid by the customer (including repaying the loan, interest payments, a 1% commission fee for processing the loan, a government fee of 0.1% of the mortgage sum for registering the loan in the land registry) is 65 430.15 EUR. Borrow responsibly, and consider your ability to repay the loan.

** Presuming the loan interest rate is 7.9% per year, the total loan amount is 5000 EUR, the loan agreement is for 48 months, the commission fee is 100 EUR, and the Annual Percentage Rate (APR) is 9.44%, the total amount the customer would have to repay is 5960.32 EUR, and the monthly repayment amount is 122.09 EUR. Example for a credit card: Annual Percentage Rate (APR) 14.76%, assuming that the credit limit is 1500 EUR and the interest rate is 9.9%.