A Small Home Loan is a convenient loan for property purchases without collateral. It is suitable for buying land, a countryside house, a summer house, or partially covering the purchase of other real estate. It provides the necessary funds with favorable conditions, allowing you to realize your housing plans without long-term savings.

The Small Home Loan is available from €5,000 to €30,000 with a repayment term of 12 to 84 months. No down payment or collateral is required. The loan application can be completed remotely, and you will receive a response within minutes. Once approved, you can sign the loan agreement conveniently online using Smart ID or an electronic signature.

The interest rate depends on the desired loan amount, term, and your credit history. To receive a personalized offer, we encourage you to fill out a loan application—it only takes a few minutes. The interest rate remains fixed throughout the loan period, ensuring that your monthly payments stay the same.

All Latvian citizens and residence permit holders who are at least 21 years old, have regular monthly income, and stable employment can apply. Applicants must not have overdue payments or outstanding debts. A bank account in a Latvian bank, a valid identification document issued in Latvia, an active mobile phone number, and an email address are required.

The loan amount you can borrow depends on several factors, such as your creditworthiness, current income and ability to repay the loan, and other existing credit obligations. We offer a range of loan amounts to accommodate various needs. During the application process, you can specify the amount you wish to borrow, and we'll do our best to tailor the loan to your requirements.

Our Small home loan comes with flexible repayment terms. The repayment period can vary based on the loan amount and your preferences. We offer various repayment options, ranging from 12 months to several years. Our Customer Support can help you determine a suitable repayment schedule that aligns with your financial capabilities.

Applying for a Small home loan with us is easy and convenient. You can start the application process online by specifying the desired amount and term in the calculator. We'll ask for some personal and financial information to assess your eligibility.

To receive a loan, you need to submit a bank account statement for the last 6 months. This can be easily done using secure-integrated form in the application, where you give your consent to the submission of the account statement. Or you can also add it as a attachment in pdf format including all incoming and outgoing payments during application process.

If you are a resident of Latvia employed abroad, you must submit an account statement for the last 12 months (if the salary was received in a foreign account) and/ or submit a statement from the tax administration regarding the payment of state taxes for the last taxation year.

When using Small home loan keep the purchase documents, as Inbank may request those in order to ensure that the loan is used for its intended purpose.

If the contract is signed by 3 p.m., the money will be transfered to the account on the same day. This applies to customers who have an account with Swedbank and Citadele. Customers with an account in another bank will receive the money next day.

You will receive the payment schedule with your contract. We will send you friendly reminder before each payment. You can always check your loan balance by logging in your Inbank customer profile.

Full early repayment of loan is free of charge. Email shall be sent to info@inbank.lv, indicating your personal data, agreement number and the date, on which full loan repayment is planned.

If you have lost your job or will not be able to fulfil your liabilities due to any other reasons – immediately contact our Customer Service to agree on the most suitable solution. Each situation is assessed individually. For us to assess your situation, an email shall be sent to info@inbank.lv, indicating your personal data, agreement number and the reasons for not being able to make payments in a timely manner.