How do I apply for and receive a loan using property as collateral?

To apply for a mortgage, you must submit a loan application. This can be done on our website under Loans and Leasing > Mortgage Loan, or in person at a Citadele branch.

What are the steps towards receiving a mortgage?

1. The customer fills in an application.
2. The bank prepares a provisional offer. 
3. The customer submits the additional documents we ask for (for example, a property valuation).
4. The bank confirms its decision on issuing a loan. 
5. The customer signs a loan agreement and other documents. 
6. The customer signs the necessary documents with a notary and submits them to the land registry.
7. After the mortgage is registered in the land registry and all necessary documents have been submitted to the bank, the loan is issued.