In short
- ALTUM lends up to 74,000 EUR directly for a home outside Rīga and 7 neighbouring municipalities.
- The down payment is at least 5%, the term up to 30 years.
- After the first year the rate is 3.52% plus 6-month EURIBOR.
- You apply yourself at mans.altum.lv, and the valuation is free.
Where the ALTUM regional loan applies
According to ALTUM in October 2026, the loan works for a home anywhere in Latvia except Rīga, Jūrmala and the municipalities of Mārupe, Olaine, Ķekava, Salaspils, Ropaži and Ādaži. So Jelgava, Ogre, Sigulda, Valmiera, Liepāja, Daugavpils and smaller places all qualify.
You can buy a flat, a house or a summer house, as long as it has been officially commissioned and is fit to live in all year. The property must not carry a maintenance contract (uztura līgums) or third-party restrictions.
The main terms
Offer: for applications submitted by 30 October 2026, the rate for up to the first 13 months is 0% + 6-month EURIBOR, and no arrangement fee is charged. For whether the offer has been extended and the fee after that date, check the ALTUM price list.
| ALTUM regional housing loan | |
|---|---|
| Amount | up to 74,000 EUR |
| Down payment | at least 5% of the price |
| Term | up to 30 years, borrower no older than 65 at the end |
| Rate after year one | 3.52% + 6-month EURIBOR, variable |
| Repayment holiday | no principal payments for up to 12 months |
| Valuation | provided by ALTUM free of charge |
| Affordability | all loan payments together up to 40% of income |
When it beats a bank loan
ALTUM itself calls it an alternative for when the bank's offer does not work: the bank will not finance the property you chose, wants a larger down payment or lends too little. That happens more often in the regions, because banks value homes in smaller towns more cautiously.
If the bank offers a better rate, take the bank. If at the bank you can also get the ALTUM guarantee for families, compare both options on total cost, not just on the down payment.
Large families can combine the regional loan with the Balsts subsidy.
What flats cost in regional towns
74,000 EUR with 5% down means a home up to about 77,900 EUR. In most regional towns that covers a typical flat, but not everywhere.
How to apply
- Register at mans.altum.lv and choose the loan for buying a home in the regions
- Fill in the client form for every borrower, plus the application
- Attach 12 months of bank statements and a valuation if you have one no older than 6 months
- ALTUM checks your creditworthiness within 2 working days and orders a valuation
- The offer is valid for a month; sign with an e-signature or Smart-ID
- Close the deal at a notary and insure the home for at least the purchase price
Common questions
Does the ALTUM regional loan work in Rīga or Jūrmala?
No. It does not apply in Rīga, Jūrmala or the municipalities of Mārupe, Olaine, Ķekava, Salaspils, Ropaži and Ādaži.
How much does ALTUM lend in the regions?
Up to 74,000 EUR for up to 30 years, with a down payment of at least 5%.
Can I buy a house instead of a flat?
Yes. A flat, house or summer house works if it has been commissioned and is fit to live in all year.
Do I need a bank?
No. You apply yourself at mans.altum.lv, and ALTUM issues the loan.
Sources
- Aizdevums mājokļa iegādei reģionos · ALTUM, 2026
- Balsts subsīdija · ALTUM, 2026
This article is for information only and is not legal, financial or tax advice. It may contain mistakes or be out of date, so check it against official sources or with a specialist before you decide. m²cena accepts no liability for any loss or damage arising from the use of the information in this article.