Question 1

How does the 40% DSTI rule affect my options?

Accepted Answer

The 40% DSTI rule means all loan payments cannot exceed 40% of your net income. For example, with a 2,000 EUR salary, your maximum total loan payments are 800 EUR/month.

Question 2

What income is needed for an apartment in Vilnius?

Accepted Answer

For an average 55 m2 apartment in Vilnius (around 130,000-180,000 EUR), you need about 1,500-2,000 EUR net income. When buying with a partner, incomes are combined.

Question 3

How does the down payment affect maximum price?

Accepted Answer

A larger down payment lets you buy a more expensive property. For example, with 30,000 EUR down (15%), you can buy up to 200,000 EUR; with 45,000 EUR (15%) — up to 300,000 EUR.

Question 4

What monthly costs should I consider?

Accepted Answer

Beyond mortgage payments, plan for: utilities (100-200 EUR), insurance (~15 EUR/mo), maintenance (80-150 EUR), repair fund. This totals about 200-400 EUR per month.

Interest ↓ / Term →	20 m.	25 m.	30 m.
3.29%	€125 359	€133 333*	€133 333*
3.79%(now)	€120 801	€133 333*	€133 333*
4.29%	€116 519	€130 241	€133 333*

How Much Can I Afford?

Income

Financial Obligations

Loan Parameters

Income Distribution

How would affordability change?

Monthly Budget

Frequently Asked Questions