Borrow more than 34 000 Litas

A flexible loan, in case of which it is possible to repay the loan by only one payment at the end of the period or, in case of a loan with monthly payments, you have the option of leaving up to 70% of the principal amount for the final payment.

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Sample payments when repaying the loan with a single payment at the end of the period (no monthly payments)*
	2 months			6 months			1 year
Loan amount	Inter. amount	Monthly pay- ment	Final pay- ment	Inter. amount	Monthly pay- ment	Final pay- ment	Inter. amount	Monthly pay- ment	Final pay- ment
5 000	187	0	5 000	450	0	5 000	835	0	5 000
10 000	375	0	10 000	900	0	10 000	1 671	0	10 000
15 000	562	0	15 000	1 350	0	15 000	2 506	0	15 000
20 000	749	0	20 000	1 800	0	20 000	3 341	0	20 000
30 000	1 124	0	30 000	2 700	0	30 000	5 012	0	30 000
50 000	1 873	0	50 000	4 500	0	50 000	8 353	0	50 000
80 000	2 997	0	80 000	7 199	0	80 000	13 364	0	80 000
100 000	3746	0	100 000	8 999	0	100 000	16 706	0	100 000
120 000	4 495	0	120 000	10 798	0	120 000	20 047	0	120 000
150 000	5 619	0	150 000	13 498	0	150 000	25 058	0	150 000

Sample payments when repaying the loan with monthly payments, 70% of the principal amount at the end of the period*
Loan amount	6 months	1 year	2 years	3 years	4 years	5 years	6 years
5 000	337	172	101	78	67	61	37
10 000	673	345	202	157	135	122	113
15 000	1 010	517	303	235	202	183	170
20 000	1 346	670	404	314	270	244	226
30 000	2 020	1 034	606	471	405	366	340
50 000	3 366	1 723	1 009	784	675	610	566
80 000	5 386	2 758	1 615	1 255	1 079	976	906
100 000	6 733	3 448	2 019	1 569	1 349	1 220	1 132
120 000	8 080	4 137	2 423	1 883	1 619	1 464	1 359
150 000	10 100	5171	3 028	2 354	2 023	1 829	1 698

*In addition to the monthly payments, the single contract fee and expenses related to concluding the collateral contract (notary fees, state fees) have to be paid, which can also be done from the credit amount. The consumer credit cost rate under the loan contract depends on the chosen credit amount, the length of the contract period, the amount of residual value, the amount of contract fees and using the possibility of a grace period. The precise annual cost rate is determined on the basis of the chosen loan conditions and is reflected in the concluded loan contract.

**The cost rate of the consumer credit is calculated on a monthly basis (full months, considering all months throughout the year to be of the same length). The actual exact consumer credit cost rate depends on the number of calendar days of the loan period. The presented cost rate has been calculated for loan contracts concluded in the branch offices of BIGBANK, the rates for loan contracts concluded via the Internet are lower.

Real estate loan without monthly payments

There are no monthly payments; the interest is paid at the beginning of the loan, repaying the loan takes place as a single payment at the end of the period.
Amounts starting from 5 000 Litas.
Interests constitute starting from 14 % of the loan amount per year, depending on the loan period.
Loan maturity: 2-24 months.
At first the contract is formalised for up to one year, with the possibility of extending it by an additional year.

Real estate loan with monthly payments

Amounts starting from 5000 Litas.
Interests constitute from 7 % of the loan amount per year.
Loan maturity: 6-72 months.
Use the loan calculator to calculate the approximate monthly payment.
It is possible to choose a residual value for this loan:
- You have the option of paying up to 70% of the loan amount at the end of the loan period as a single payment and the rest in monthly payments.
- When the schedule expires, it is possible to prepare a new schedule for the principal amount left at the end.

Applying for a loan

Loan application.
An identity document of the loan applicant and surety provider - passport, ID Card or driving license (issued no later than January 1, 2003). In case the persons are not citizens of the Republic of Lithuania, valid residence permits should be presented.
A valuation report compiled by a real estate appraiser accepted by BIGBANK.
A certificate proving that there are no utility arrears.
In case of a loan with monthly payments, also a bank account statement (required minimum monthly net income is 500 Litas).
Available all over Lithuania:
- at all client service offices of BIGBANK Lithuanian branch;
- at the Internet www.bigbank.lt;
- by telephone 1388.

Collateral

Dwellings are accepted as collaterals for the loan, the real estate, non-habitual buildings and land shall be accepted as loan collateral upon respective decision of the Country Credit Committee.

The collateral has to be insured in an insurance company accepted by the credit provider.
The collateral has to be kept under insurance protection during the whole loan period. The size of the insurance payment depends on the selected insurance company and conditions.

The maximum possible loan amount depends on the market value of the real estate used as collateral for the loan. If the required loan amount is larger than the value of the real estate, you still should contact our loan specialists in order to find a solution suitable for you together.

Premature termination of the loan contract is possible at all times and does not bring along additional costs. As an exception, only in case of prematurely terminating a real estate loan with monthly payments, the payment of a service fee in the extent of the interest payments of up to 6 months has to be paid.

Attention!

Before taking a loan, examine the loan conditions thoroughly and consult our specialists if necessary.

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Borrow more than 34 000 Litas

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