Hypostat 2015

EU 28 Country Reports
Lithuania Fact Table 1
Entities which can issue
mortgage loans:
The market share of the
mortgage issuances:
Proportion of outstanding
mortgage loans of the
mortgage issuances:
Typical LTV ratio on residential
mortgage loans:
Any distinction made
between residential and
non‐residential loans:
Most common mortgage
product(s):
Typical maturity of a mortgage:
Most common way to fund
mortgage lending:
Level of costs associated with
a house purchase:
The level (if any) of government
subsidies for house purchases:
Banks and bank’ branches.
100% banks.
100% banks.
No statistical data on average LTV is
available. New buyers tend to max out
with their LTVs getting close to 80%.
Based on type of property and whether
this is the first or second mortgage.
Second mortgage tends to be treated
as an investment with rental purpose.
30 year, 6 month EURIBOR mortgages.
30 years.
Deposits.
Low to medium level associated.
Not available
1
The views expressed in this article are those of the author alone and should not be interpreted
as representing the views and/or positions of Banka Citadele.
60 | 2015 EMF HYPOSTAT