https://www.citadele.lv/en/private/mortgage

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Mortgage loans for different needs | Bank Citadele
https://www.citadele.lv/en/private/mortgage

Mortgage loan

No fee for processing your mortgage loan when you buy a home from a real estate developer. Offer applies 01.01-30.06.20221

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Up to 95 % financing with ALTUM guarantee

Receive an individually-calculated rate

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Remote application

Get the initial offer in one business day

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Free real estate insurance

No worries about your property for the entire length of the contract

Choose your goal


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I have already found the property

Apply for a loan and receive an offer

Apply for a loan
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I am interested in my options

Fill in the calculator and find out how much you can borrow

View options
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I have already found the property

Fill in the calculator and find out how much you can borrow

Apply for a loan
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I am interested in my options

Fill in the calculator and find out how much you can borrow

View options

Mortgage loan calculator

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1 year
30 years
+ Free home insurance
525.08 EUR
Monthly payment
144 000.00 EUR
Loan amount
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The calculations made using the calculator are of an informative nature and each client's situation is assessed individually.

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1 year
30 years
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More on ALTUM guarantee Both families with children and young professionals can receive ALTUM financial support
Loan amount:   144 500.00  EUR
Total amount payable:   187 358.10 EUR
Annual percentage rate (APR):    1.83 %
+ Free home insurance
519.76 EUR
Monthly payment
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The calculations made using the calculator are of an informative nature and each client's situation is assessed individually.

3 steps to purchasing a home

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Fill in the application

Receive an offer within 24 hours
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Wait for a decision

Submit a property valuation and receive a decision which matches your aims and collateral
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Receive financing

Sign the contracts, register your collateral in the Land Registry, and receive your loan
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Fill in the application

Receive an offer within 24 hours
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Wait for a decision

Submit a property valuation and receive a decision which matches your aims and collateral
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Receive financing

Sign the contracts, register your collateral in the Land Registry, and receive your loan

Ready to apply?

Log in to Citadele online bank. Not a Citadele customer? Log in using Smart-ID or e-signature!
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  • Financing of up to 85 %
  • Term of up to 30 years
  • Loan amount from 20 000 EUR
  • Option to apply for a grace period for up to 6 months
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  • Financing of up to 85 %
  • Term of up to 30 years
  • Loan amount from 50 000 EUR
  • House must be liveable within 24 months
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For families with children or those who are expecting:

  • Financing of up to 95 % when purchasing a home (up to 90 % for a construction loan), as long as the purchase sum does not exceed 250 000 EUR
  • Term of up to 30 years
  • You can apply for ALTUM guarantee again if three years have passed since receiving the previous guarantee, obligations have been covered, and the number of children in the family has increased or the family is expecting another child
  • Government tax is just 0.5 %, and property registration is free
Find out more
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For professionals with higher or professional secondary education aged up to 35 years:

  • Financing of up to 95 % when purchasing a home (up to 90 % for a construction loan)
  • Term of up to 30 years
Find out more
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+ Great value!

Subsidy Balsts

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Families with at least three children, or two children and expecting a third, can receive a subsidy of up to 12 000 EUR towards the deposit of their property purchase or home build
Find out more

New home projects

Have a look and choose your future home! When you purchase a home in a new project in Riga or elsewhere, you can receive a loan with special terms:

  • Great value! When you choose a home from a real estate developer, there is no mortgage processing fee (offer applies 01.01-30.06.2022)1
  • When you open an escrow account with us, pay just €50 commission (offer applies until 30.06.2022)
  • For apartments in several new projects, a property valuation is not necessary
  • Free property insurance for the duration of your loan

Great-value offers

If you have a mortgage loan in Citadele, we are offering a special fixed interest rate on our consumer loans and credit cards.

  • Consumer loan: 7.9 % 9.9 %2
  • Payment card credit limit: 9 %3
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+ For free
  • When you get a mortgage loan at Citadele, you will receive free home insurance at no additional cost for your whole contract period
  • The insurance also includes moveable property insurance up to 5000 EUR and civil liability insurance up to 1000 EUR, if your mortgage is for a residential property

Insurance provided by AAS BTA Baltic Insurance Company in collaboration with Citadele

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30 % off

Take the opportunity to apply for life insurance with AAS CBL Life, and ensure your future has a few less worries.

  • Insure your life for the sum of your mortgage. That way, you can be sure that, should you die, your loved ones will not have to worry about repaying a loan. If you wish, you can also be insured for a larger sum
  • You can also insure the life of the mortgage guarantor and co-borrower for the sum of the mortgage
  • GREAT VALUE! When you sign a new life insurance contract with AAS “CBL Life”, get a 30 % discount on your accident insurance payments (insurance premium)
Learn more

Service provided by Citadele subsidiary AAS CBL Life

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Want to apply?

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Log in to the Citadele online bank. Not a Citadele customer? Log in using Smart-ID or e-signature!
Apply for a loan

Didn’t find the answer to your question?

Visit our interactive assistant and find the information you need

Interactive assistant
Can I repay the consumer credit completely before the due date and do I have to pay a commission for this?

Yes, you can repay the loan fully at any time and free of charge by writing an application into the Internet bank or branch for early repayment.

What should I do if, for serious reasons, I am having difficulties repaying my consumer loan/car loan/credit limit?

If you have come into serious difficulties regarding the repayment of consumer loans, and it is not possible to make amendments within the existing loan agreement, we offer you the option of consulting with us on your loan agreement and selecting a debt repayment contract.
To apply for a consumer loan restructuring solution, we invite you to fill in an application here. We evaluate each application individually, and after processing each application, we send our decision by email or SMS. If the decision is affirmative, you will
have to sign a new contract via the online bank, after which your previous obligations will be cancelled.

Will monthly loan payments be deducted automatically?

The monthly payment from your Citadele bank account will be deducted automatically, but by the date of payment, it must be ensured that the required amount of money is available in the account.

Can I get a consumer loan if I have no official income?

The bank is for responsible borrowing, so if you do not have an official income, we will not be able to issue you a consumer loan.

Can I get a consumer loan if my income is transferred to another bank?

Yes, you can get a consumer loan regardless in which bank you receive your monthly income, and even if you are not yet a Citadele customer.

Can I repay the consumer credit completely before the due date and do I have to pay a commission for this?

Yes, you can repay the loan fully at any time and free of charge by writing an application into the Internet bank or branch for early repayment.

What should I do if, for serious reasons, I am having difficulties repaying my consumer loan/car loan/credit limit?

If you have come into serious difficulties regarding the repayment of consumer loans, and it is not possible to make amendments within the existing loan agreement, we offer you the option of consulting with us on your loan agreement and selecting a debt repayment contract.
To apply for a consumer loan restructuring solution, we invite you to fill in an application here. We evaluate each application individually, and after processing each application, we send our decision by email or SMS. If the decision is affirmative, you will
have to sign a new contract via the online bank, after which your previous obligations will be cancelled.

Will monthly loan payments be deducted automatically?

The monthly payment from your Citadele bank account will be deducted automatically, but by the date of payment, it must be ensured that the required amount of money is available in the account.

Can I get a consumer loan if I have no official income?

The bank is for responsible borrowing, so if you do not have an official income, we will not be able to issue you a consumer loan.

Can I get a consumer loan if my income is transferred to another bank?

Yes, you can get a consumer loan regardless in which bank you receive your monthly income, and even if you are not yet a Citadele customer.

More opportunities

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Consumer loan

Financing of up to 15 000 EUR to help with your plans. Apply and receive an answer within 10 minutes.
Find out more
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Loan with collateral

Financing of up to 70 % of the market value of your residential property for any aim. Apply and receive an offer by email
Find out more
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Loan for the purchase of building land

Financing of up to 60 % with an individually-calculated interest rate. Apply and receive an offer by email
Find out more
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Car loan

Financing of up to 15 000 EUR with no deposit or CASCO. Apply and receive a reply within 10 minutes
Find out more
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Solar panel loan

A personally-calculated offer for up to 15 000 EUR. Apply and receive a reply within 10 minutes
Find out more

1 Example: If the sum of a loan secured with real estate is 80,000 EUR, the contract is for 30 years and the annual interest rate is 1.8% + 6 months EURIBOR, then the monthly payment is 287.76  EUR (in total - 360 payments). APR 1.82%. The total sum to be paid by the client (including repaying the loan, interest payment, commission fee 0 EUR, state fee for registering with the land registry of 0.1% of the loan sum, is 103 673.60 EUR.

2 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.

3 Example for a credit card: Annual Percentage Rate (APR) 13.83 %, assuming that the credit limit is 1500 EUR and the interest rate is 9 %.