Loans

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What are the steps to get a mortgage loan?

  1. Fill out an application for a home loan.
  2. A bank employee will contact you and discuss the need and possibilities in detail.
  3. You will provide additional documents requested by the Citadele employee who is serving you (e.g. real estate valuation report)
  4. A decision on granting credit is made.
  5. You become a bank customer, open a credit service account. If you wish, you can purchase additional products/services offered by the bank at the same time (eg: payment card, mortgage insurance).
  6. A credit agreement and other documents are signed at the bank.
  7. A mortgage (property pledge) agreement is signed and confirmed at a notary. It is transferred to the Registru Centras for registration.
  8. After registering the mortgage agreement in the Registru Centras and submitting all the necessary documents to the bank, the credit amount is disbursed.

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