Lithuania 💰 EUR Last updated2026-05-28

Būsto paskola Calculator Lithuania

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Quick answer (Lithuania)

A €150,000 būsto paskola at 4.1% over a 25-year term works out to a monthly payment of about 800 €, with total interest of 90 018 € over the full term.

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Mortgage Calculator

EUR

Home Value

€

LTV 80% · No PMI ✓

Loan Amount

€

Interest Rate

Term

Total Monthly

1.050 €

PITI

Principal + Interest

800 €

38% goes to interest

Total Interest

90.018 €

over 25 years

Monthly Breakdown

Principal & Interest800 €

Property Tax (1.1%/yr)172 €

Homeowner's Insurance (0.5%/yr)78 €

Total Monthly1.050 €

Principal vs Interest Split

62% principal

38% interest

✨ Live recalculation·Includes P&I, property tax, insurance. Estimates only — consult a licensed lender for exact rates.

Reviewed by

Aisha Rahman, CFP®, MBA LinkedIn ↗

CFP® with 12+ years in mortgage & retirement planning.

Local context

Būsto paskolas in Lithuania

Typical loan

150 000 €

in Lithuania

Typical rate

4.1% p.a.

prime borrower, 2026

Typical term

25 years

most common

Market overview

Lithuania's mortgage market is led by Swedbank Lithuania, SEB bankas, Šiaulių bankas, Luminor, and Citadele Lithuania, with Revolut Bank UAB and several fintechs entering the deposit/short-term-credit segments. The Bank of Lithuania (Lietuvos bankas) operates within the ECB SSM and enforces responsible-lending regulation that caps LTVs at 85% for primary residence and DSTIs at 40% of income (with stress-test calculation at +5 percentage points). Lithuanian mortgages are predominantly variable-rate, Euribor 6m + 1.5-2.0% margin; ECB easing from mid-2024 has lowered payments meaningfully through 2025-2026. The state INVEGA fund operates housing-loan guarantees for young families and rural buyers.

Why 4.1% is the typical rate

4.1% reflects a 25-year Euribor 6m + 1.7% loan from Swedbank or SEB to a salaried Vilnius borrower at 85% LTV in early 2026, with central-bank-imposed DSTI caps enforcing disciplined underwriting.

Tax & regulatory notes

Lithuania charges no separate property transfer tax; notary fees are 0.45% (capped at €5,795) and state registration is a small fixed fee. Annual real-estate tax of 0.5-3% applies only to residential property values above €150,000 per family (raised threshold under 2024-2025 reforms). The INVEGA "First Home" guarantee covers up to 30% of the loan for young families and qualifying buyers in the regions, enabling lower down payments. EU/EEA buyers face no restrictions; non-EU buyers face restrictions only on agricultural land. Mortgage interest deduction was phased out in 2009 and has not returned.

🧮 Worked example

A €150,000 būsto paskola at 4.1% over a 25-year term

Loan amount

150 000 €

Annual interest rate

4.1%

Term

25 years (300 months)

Monthly payment

800 €

Total interest paid

90 018 €

Total paid (principal + interest)

240 018 €

❓ FAQ (Lithuania)

Common questions in Lithuania.

What is the INVEGA first-home guarantee?

INVEGA is Lithuania's state-owned guarantee institution providing partial guarantees on housing loans — primarily under the "Subsidies for first home acquisition in regions" programme. Young families (under 36, with at least one child) and qualifying buyers in designated regional municipalities can receive a state subsidy of 15-30% of the loan amount, paid directly to reduce the principal at origination.

What are the LTV and DSTI caps for Lithuanian mortgages?

The Bank of Lithuania enforces a 85% LTV cap on primary-residence loans (70% for buy-to-let and second homes) and a debt-service-to-income (DSTI) cap of 40% of net income, calculated with a stress-test interest rate of the contract rate plus 5 percentage points. Maximum maturity is 30 years. These caps apply at origination and are strictly enforced across all Lithuanian banks.

How does Lithuania's 2024-2025 property tax reform affect home buyers?

The 2024-2025 reform raised the individual non-taxable threshold for residential real-estate tax to €150,000 per family, meaning the vast majority of primary residences remain exempt from annual property tax. Properties above this threshold are taxed at 0.5-3% on the excess value, depending on whether they are owner-occupied, commercial, or non-essential second homes.

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