• Purchase and refurbishment of real property: apartment, land lot or house;
• Purchase of movable property: car, furniture, domestic appliances, computer equipment and other objects.

• Credit period – as agreed;
• Credits are granted in litas, USD and euros;
• Interest rate shall be determined according to LIBOR / EURIBOR / VILIBOR base rates, to which the bank’s interest margin is added;
• To secure repayment of credit, mortgage of real or movable property can be used, just as other security methods acceptable to the bank (such as pledging of funds in account or securities). A few methods of credit repayment security can be applied. Real or movable property offered as security shall be assessed by property valuators;
• Credit can be repaid to the bank in equal or variable portions under a schedule agreed between the client and the bank and laid down in credit agreement.

How the Mortgage Credit Can Be Obtained?
If you have decided to take a credit, please call information phone number and agree on meeting with a specialist of the bank or fill a request / application and visit the nearest client servicing divisions or branch for consultations. It is necessary to have the documents specified in the application.

If the bank makes positive decision, the credit shall be granted after making a credit agreement and after registration of property mortgage under procedure laid down in LR laws (or after execution of other documents securing repayment of the credit).

• Credit period – as agreed;
• Credits are granted in litas, USD or euros;
• Interest rate shall be determined according to LIBOR / EURIBOR / VILIBOR base rates, to which the bank’s interest margin is added;
• Repayment of credit shall be secured by pledging a real property. Other security methods acceptable to the bank (such as pledging of funds in account or securities, backing by third persons) can be used as additional security of credit repayment. Property offered as security shall be assessed by property valuators;
• Credit repayment can be postponed for up to 12 months.

How the Dwelling Credit Can Be Obtained?
If you have decided to take a credit, please call information phone number and agree on meeting with a specialist of the bank or fill a request / application and visit the nearest client servicing divisions or branch for consultations. It is necessary to have the documents specified in the application.

If the bank makes positive decision, the credit shall be granted after making a credit agreement and after registration of property mortgage under procedure laid down in LR laws (or after execution of other documents securing repayment of the credit).

• Credit period – up to 5 years;
• The maximum amount of credit – up to LTL 20,000 or its equivalent in another currency;
• Fixed or floating interest rate can be chosen. The floating rate shall be determined according to LIBOR / VILIBOR base interest rates, to which the bank’s interest margin is added;
• Repayment of credit can be postponed for up to 6 months.

How the Consumer Credit Can Be Obtained?
If you have decided to take a credit, please call information phone number and agree on meeting with a specialist of the bank or fill a request / application and visit the nearest client servicing divisions or branch for consultations. It is necessary to have the documents specified in the application.

If the bank makes positive decision, the credit shall be granted after making a credit agreement and after registration of property mortgage under procedure laid down in LR laws (or after execution of other documents securing repayment of the credit).