{"id":11848,"date":"2022-03-10T13:01:49","date_gmt":"2022-03-10T11:01:49","guid":{"rendered":"https:\/\/www.altum.lv\/services\/individuals\/housing-guarantees-for-families\/"},"modified":"2025-06-04T22:00:25","modified_gmt":"2025-06-04T20:00:25","slug":"housing-guarantees-for-families","status":"publish","type":"page","link":"https:\/\/www.altum.lv\/en\/services\/individuals\/housing-guarantees-for-families\/","title":{"rendered":"Housing guarantees for families"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"11848\" class=\"elementor elementor-11848 elementor-225\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section altum__default elementor-element elementor-element-46fc96c elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"46fc96c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8b445ea\" data-id=\"8b445ea\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b84a7b1 elementor-widget elementor-widget-altum-large-header\" data-id=\"b84a7b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-large-header.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <section class=\"topBanner\" style=\"background-image: url(https:\/\/www.altum.lv\/wp-content\/uploads\/2025\/06\/Majoklu-garantija.png)\">\n                <div class=\"container\">\n\t\t\t\t\t<div class=\"topBanner__breadcrumbs\"><a href=\"https:\/\/www.altum.lv\" class=\"topBannerBreadcrumb__link\">Altum<\/a><span class=\"topBannerBreadcrumb__indent\">-<\/span><\/div>\n                    <h1 class=\"topBanner__title\">About the Housing Guarantee Programme<\/h1>\n\t\t\t\t\t\n                    \n\t\t\t\t\t\n                <\/div>\n            <\/section>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section altum__default elementor-element elementor-element-3c19404 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3c19404\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ccc0d53\" data-id=\"ccc0d53\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-41484c5 elementor-widget elementor-widget-text-editor\" data-id=\"41484c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>A guarantee for a bank loan for purchase or construction of the housing for the families with children with regular income but not enough savings to make the first payment.<\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ae0be6 elementor-widget elementor-widget-altum-icon-text\" data-id=\"2ae0be6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/06\/Group-458.svg\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p>The guarantee is granted to families with children (up to 23 years of age included), if the transaction amount for purchase and\/or construction and repairs costs of the housing does not exceed EUR 300,000<\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd87e42 elementor-widget elementor-widget-altum-icon-text\" data-id=\"dd87e42\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/06\/Group-472.svg\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p>Guarantee term is 10 years<\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-045db7e elementor-widget elementor-widget-altum-icon-text\" data-id=\"045db7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/06\/Group-461.svg\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p>If the property is located in Riga, Pieriga, Jurmala:\u00a0<\/p>\n<ul>\n<li>Amount of guarantee is 5% up to 10% from the principal amount of the loan, and not exceeding EUR 10,000, if there is one child in the family<\/li>\n<li>Amount of guarantee is from 5 up to 15% from the principal amount of the loan, and not exceeding EUR 15,000, if there are two children in the family<\/li>\n<li>Amount of guarantee is from 5 up to 20% from the principal amount of the loan, and not exceeding EUR 20,000, if there are three children in the family<\/li>\n<li>Amount of guarantee is from 5 up to 30% from the principal amount of the loan, and not exceeding EUR 30,000, if there are four or more children in the family<\/li>\n<\/ul>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fbdbaff elementor-widget elementor-widget-altum-icon-text\" data-id=\"fbdbaff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/06\/Group-461.svg\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p>Outside Riga, Pieriga (Marupe, Olaine, Kekava, Salaspils, Ropazi, Adazi municipalities), Jurmala:\u00a0<\/p>\n<ul>\n<li>5% - 30% of the principal of the loan and not more than EUR 30,000 if there is 1 child in the family (or the first child is expected)<\/li>\n<li>5% - 40% of the principal of the loan and not more than EUR 40,000 if there are 2 children in the family (or at least 1 child and another one is expected)<\/li>\n<li>5% - 50% of the principal of the loan and not more than EUR 50,000 if there are 3 children in the family (or at least 2 children and another one is expected)<\/li>\n<\/ul>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a7b74e elementor-widget elementor-widget-altum-icon-text\" data-id=\"0a7b74e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/06\/Group-514.svg\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p>If the bank has issued one loan both for purchase of the housing and the repairs, guarantee shall be applicable to both purposes<\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8356696 elementor-widget elementor-widget-altum-icon-text\" data-id=\"8356696\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-icon-text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"altum__iconWithText\">\n                <div class=\"iconWithText-icon\">\n                    <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/06\/Group-460.svg\" alt=\"icon\">\n                <\/div>\n                <div class=\"iconWithText-text\">\n                    <p>The aim of the guarantee is to provide state aid for purchase or construction of the housing for families with children, thus decreasing the amount of the first payment required for receipt of the mortgage loan<\/p>\n                <\/div>\n            <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b22a2d0 elementor-widget elementor-widget-text-editor\" data-id=\"b22a2d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"padding-left: 40px;\"><span style=\"font-size: 14px;\">Programme is regulated by Cabinet Regulations No. 95 of 20.02.2018. <\/span><a style=\"font-size: 14px;\" href=\"https:\/\/likumi.lv\/doc.php?id=297289\" target=\"_blank\" rel=\"noopener\">&#8220;Regulations on State Aid for Purchase or Construction of Living Quarters&#8221;<\/a><span style=\"font-size: 14px;\">.<\/span><\/p>\n<p style=\"padding-left: 40px;\">\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c4c03b elementor-widget elementor-widget-altum-employees\" data-id=\"5c4c03b\" data-element_type=\"widget\" data-e-type=\"widget\" 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