You don‘t have to be big to get a loan
Looking for a loan to leverage the value of your property? Our customised loan is perfect for those who want to use the equity in their property to secure financing.
- We can help finance up to 85% of the value of your assets
- Get your initial offer within 24 hours
- Repayment schedule tailored specifically to your needs
- Low fees for early loan repayment
- Loan terms of up to 30 years are available
- Interest rates starting from 3.50%
Investment and expenses financing
Individual customer service
Flexible repayment schedule
Quick initial offer
Loan application process
To apply for a loan, you must first become a member of the LTL
If you live, work or study in Vilnius or Vilnius and Trakai districts, come to the LTL with your ID, fill in the membership application form, purchase a 30 EUR share (pajus) (the share will remain your property and you will be able to withdraw the share when you leave the LTL).
Fill in the loan application form
Tell the member of staff what you need the loan/money for and he/she will provide you with the necessary application form - this can be for a home purchase, home renovation, business financing or consumption. Loans up to 15,000 EUR require a guarantor - a person with sufficient income or real estate. A copy of the guarantor's identity document and a completed surety application form must also be submitted when applying for a loan. Loans above EUR 15,000 or for a period of more than 5 years must be secured by a mortgage.
Please submit the following documents
- A completed loan application form
- A completed surety application
- Consent to the processing of personal data
- Proof of income, if it is not a salary (rental income, farming income, royalty income, etc.)
- Preliminary valuation of the immovable or movable property proposed to be pledged and proof of ownership
You will receive a reply within 1-2 days
You will be contacted by a loan manager and informed of the decision. The LTL may ask for additional collateral to secure the loan after assessing the member's ability to repay the loan. If the answer is positive, you will arrange a convenient time with the manager to come and sign the loan and surety agreements. The loan is disbursed immediately after signing the agreement. If the loan is granted against a pledge of immovable or movable property, the pledge is notarised. Disbursement of the loan shall take place after registration of the mortgage note in the mortgage register.