Mortgage loan

Do you dream of your own house? Do you want to renovate your flat with the last word in technology and fashion? We will create a solution that will make every your dream come true!

We know that you expect the Bank to make prompt decisions and support you fully. That is why we work fast and precisely – as it is very important in the real estate market where prices and situation can change rapidly.

Our mortgage-lending centre “TKB Nekustamie īpašumi” will help you with all questions related to your mortgage just on the spot:
You can save time and money by registering for property valuation on the site;
We will provide legal help with mandatory documents;
Our professional consultations will help you to understand the situation in the real estate market;
With our assistance you can both buy and sell any piece of real estate.

A mortgage loan can be secured:
in case of a planned building –  by a new construction and/or piece of land;
by any real estate.

Registration:
immediate consideration of applications;
minimum requirements for document package;
prompt preparation of loan agreements.

Lending amount and currency:
a loan can be granted in Lats, Euros or US Dollars;
starting from 3 000 Ls;
up to 75% of the real estate value;
the buyer pays minimum 10% of the amount of transaction;
within the lending period you can apply for any change of your loan amount.

Lending period:
up to 25 years;
within the lending period you can apply for any change of the lending period.

Interest rate:
flexible determination of interest rates and fast registration;
combination of fixed and floating rates;
interest payment only for the remaining sum of the loan;
option to change the interest rate during the lending period.

Repayment of loan:
according to a flexible schedule tailored especially for you;
option to delay repayment of the loan principal.

Mandatory documentation:

	passport;
	documents that confirm your income (a reference letter from your employer and income statement from the State Revenue Service);
	documents that confirm the real estate title (Land Register Certificate, sales contract, exchange, donation or any other contracts, certificate of ownership to the apartment before privatisation of the apartment house, etc.);
	reference from the State Land Service regarding the absence of any encumbrances on the property;
	inventory file;
	reference confirming payments of rent and utility charges;
	loan application and property valuation (you can fill out the application and order valuation at the Bank);
	loan agreement and insurance which will be prepared after the approval of lending terms and  conditions;
	Next you may receive the money.

To apply for a loan contact your Private Banker or our Info Centre – info@tkb.lv, tel. (+371) 67027777. You can also do it through the Trast.Net system.