Only fixed-rate loans available
Due to a Supreme Court ruling in case no. 55/2024, LSR will for the time being only process applications for indexed loans with fixed interest rates for the entire loan term.
Non-indexed loans and indexed loans with interest rates reviewed every 36 months are therefore not available from the fund at this time.
Annuity or equal installments
You can choose between annuity and equal installments.
- Annuity: The monthly payment is lower initially, but asset formation is slower
- Equal installments: The monthly payment is higher initially, but asset formation is faster
The best way to see the difference between the types of loans and types of installments is to use the Loan Calculator. Keep experimenting with different options and we especially recommend comparing the item "Total payment" before making a decision.
Development of interest rates on property loans
-
Since 2019, LSR has offered inflation-indexed and non-indexed loans with interest rates reviewed every 36 months from the date of borrowing. As of October 2025, the issuing of such loans has been put on hold.
From 27 November 2025, the interest rates for these loans are as follows:
- Inflation-indexed loans with interest rates adjusted every 36 months: 4.2%
- Non-indexed loans with interest rates adjusted every 36 months: 8.05%
Until 15 January, 2019, LSR offered indexed loans with interest rate revisions four times a year. These loans are no longer available when taking out new real estate loans, but the interest rates of such loans that were taken out at the time may change at the beginning of January, April, July and October each year.
The interest rate on these loans is currently 4.1% since January 1st, 2025. On January 1st 2026 the interest rate will change to 4.0%.
Development of interest rates on older variable indexed loans