Typical example of a housing loan. If the loan amount is EUR 110,000, the variable annual interest rate is 5.03%, a one-off agreement fee is EUR 0, the agreement duration is 25 years, the monthly account maintenance fee is EUR 1.30, the mortgage registration fee for SE Centre of Registers is EUR 8.60, and 300 repayments are made by annuity, then the monthly payment will be EUR 645, the total amount paid by the borrower – EUR 193,504.00 and the annual percentage rate of charge (APR) – 5.17%.
Typical example of an idea loan. If the amount of an idea loan is EUR 60,000, the variable annual interest rate is 5.50 %, a one-off agreement fee is EUR 0, the contract duration is 20 years, the monthly account maintenance fee is EUR 1.30, the mortgage registration fee for SE Centre of Registers is EUR 8.60, and 240 repayments are made by annuity, then the monthly payment will be EUR 414, the total amount paid by the borrower EUR 99,161.00, and annual percentage rate of charge (APR) – 5.68 %.
Pledged collateral must be insured. Notary fees, real estate evaluation, insurance costs and costs related to additional products and services if chosen by you are not known by the bank and are therefore not included in the annual percentage rate of charge. Your loan is guaranteed against your home. Your home may be repossessed if you do not keep up with repayments.
If a credit agreement is concluded in a foreign currency, i.e. a credit is granted to a customer in a currency other than their income or the assets from which the credit is to be repaid, or in a currency other than that of the customer’s state of residence (the EU Member State), the change of the foreign currency compared to the euro may significantly increase the amount of the credit and monthly payments.
Car leasing representative example. Assuming that the price of a car selected is EUR 24,000, the financial lease period is 5 years (60 months), and the down payment is EUR 3,600, i.e. 15%, so the total amount of credit would be EUR 20,400. The administration fee for preparation of the agreement is EUR 240 and the variable leasing interest rate is 1.99% + 3-month Euribor (value on calculation day 3.25%), the total payment amount paid would be EUR 23,473.20, the annual rate of the total consumer credit price – 5.88%, and the monthly payment – EUR 387.22. The example is informative. The car must be insured with CASCO insurance, at the expense of the consumer, with an insurance undertaking acceptable to Luminor Lizingas UAB (the insurance costs are not included in the annual rate of the total consumer credit price). The leasing service is provided by Luminor Lizingas UAB.
Consumer loan representative example. If the loan amount is EUR 9000, the loan term 60 months, fixed annual interest rate 8.8 %, loan agreement fee EUR 0 and monthly account maintenance fee EUR 1.30, then total repayment amount will be EUR 11262.42 with monthly payment of EUR 186.41, and APR 9.62 %.
(1) The 3, 6, or 12-month Euribor is added to the bank's margin (a variable annual interest rate applies).
(2) A free collateral evaluation is conducted by “Luminor” if the purpose of the loan is refinancing from another bank, the loan amount is at least EUR 100,000, and the loan is provided by “Luminor”.
(3) Standard price EUR 5.50/month. The discount is valid for the first 2 calendar months if the package is activated within the period from 2024‑11‑01 to 2025‑01‑31for the first time. For the third and next calendar months, the standard package fee will be set according to the Luminor Price List. The package monthly fee is applied for a calendar month irrespective of the booking date. The offer is valid until 2025-01-31 or until revoked.
(4) Make at least one purchase during Black Friday week (2024-11-26 – 2024-12-02) with your Luminor Black card and get Safety+ free of charge during the period from 2024-12-02 to 2025-01-04. After the free month period expires, Safety+ will be terminated automatically.
Payment transaction is a payment with physical card or e-wallet. Also, internet payment transactions count if they are made by using card details.
Offer applicable to customers who have Luminor Black card and are making payment transaction with it, and do not have activated Safety+ service yet for the card. Activating Safety+ service by yourself during the period of 2024-12-05 – 2025-01-04 would initiate a standard paid Safety+ agreement which would automatically prolong each month until your choice to terminate. Offer applicable to customers from 18 years age.
Safety+ insurance services are provided by ADB “Compensa Vienna Insurance Group”, registration code 304080146, address: Ukmergės g. 280, Vilnius, Lithuania.
(5) The offer applies to used passenger cars for applications submitted during the campaign period. The maximum age of the vehicle at the end of the lease period is 13 years.
