{"id":8575,"date":"2022-02-25T11:45:41","date_gmt":"2022-02-25T09:45:41","guid":{"rendered":"https:\/\/www.altum.lv\/sakums\/"},"modified":"2026-03-19T09:42:26","modified_gmt":"2026-03-19T07:42:26","slug":"sakums","status":"publish","type":"page","link":"https:\/\/www.altum.lv\/en\/","title":{"rendered":"Home"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"8575\" class=\"elementor elementor-8575 elementor-2\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section altum__default elementor-element elementor-element-b2ebc86 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"b2ebc86\" 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-a441e4d\" data-id=\"a441e4d\" 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-7eb90ad elementor-widget elementor-widget-altum\" data-id=\"7eb90ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t\t<section class=\"mainSlider\">\n\t\t\t\t<div class=\"swiper\">\n\t\t\t\t\t<div class=\"altum-slider-controls\">\n\t\t\t\t\t\t<div class=\"altum-slider-arrow altum-slider-prev\" tabindex=\"0\" aria-label=\"Iepriek\u0161\u0113jais slaids\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"6\" height=\"10\" viewBox=\"0 0 6 10\" fill=\"none\">\n\t\t\t\t\t\t\t\t<path d=\"M-3.42128e-08 8.85358L3.71005 5.13885L-2.55931e-07 1.42412L1.14498 0.277694L6 5.13885L1.14498 10L-3.42128e-08 8.85358Z\" fill=\"white\"\/>\n\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"altum-slider-arrow altum-slider-next\" tabindex=\"0\" aria-label=\"N\u0101kamais slaids\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"6\" height=\"10\" viewBox=\"0 0 6 10\" fill=\"none\">\n\t\t\t\t\t\t\t\t<path d=\"M-3.42128e-08 8.85358L3.71005 5.13885L-2.55931e-07 1.42412L1.14498 0.277694L6 5.13885L1.14498 10L-3.42128e-08 8.85358Z\" fill=\"white\"\/>\n\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\n\t\t\t\t\t<div class=\"swiper-slide slide1\" style=\"background-image: url(https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/02\/slider-1.jpg)\">\n\t\t\t\t\t\t<div class=\"container\">\n\t\t\t\t\t\t\t<div class=\"mainSlider__content\">\n\t\t\t\t\t\t\t\t<div class=\"mainSlider__h1 text-1\">\n<div class=\"mainSlider__line\" style=\"margin-bottom: 25px;\"><span class=\"\">State-owned<\/span><\/div>\n<div class=\"mainSlider__line\" style=\"margin-bottom: 25px;\"><span class=\"\">development finance<\/span><\/div>\n<div class=\"mainSlider__line\" style=\"margin-bottom: 25px;\"><span class=\"\">institution<\/span><\/div>\n<\/div>\n\t\t\t\t\t\t\t\t<div class=\"indent\"><\/div>\n\t\t\t\t\t\t\t\t<a href=\"\/en\/about-altum\/what-we-are\/\" class=\"mainSlider__link\">Learn more<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"swiper-slide slide1\" style=\"background-image: url(https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/03\/boy-bg.jpg)\">\n\t\t\t\t\t\t<div class=\"container\">\n\t\t\t\t\t\t\t<div class=\"mainSlider__content\">\n\t\t\t\t\t\t\t\t<div class=\"mainSlider__h1 mainSlider__h1-style2 text-2\">\n<div class=\"mainSlider__line\"><span class=\"\">More than EUR <strong>66 million<\/strong><\/span><\/div>\n<div class=\"mainSlider__line\"><span class=\"\">has been lent for creation<\/span><\/div>\n<div class=\"mainSlider__line\"><span class=\"\">of new businesses<\/span><\/div>\n<\/div>\n\t\t\t\t\t\t\t\t<div class=\"indent\"><\/div>\n\t\t\t\t\t\t\t\t<a href=\"\/en\/services\/enterprises\/loan-to-entrepreneurs\/\" class=\"mainSlider__link\">Learn more<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"swiper-slide slide1\" style=\"background-image: url(https:\/\/www.altum.lv\/wp-content\/uploads\/2022\/03\/home-bg.jpg)\">\n\t\t\t\t\t\t<div class=\"container\">\n\t\t\t\t\t\t\t<div class=\"mainSlider__content\">\n\t\t\t\t\t\t\t\t<div class=\"mainSlider__h1 mainSlider__h1-style2 text-2\">\n<div class=\"mainSlider__line\"><span class=\"\">We have helped more<\/span><\/div>\n<div class=\"mainSlider__line\"><span class=\"\">than <strong>30,000<\/strong> families with children<\/span><\/div>\n<div class=\"mainSlider__line\"><span class=\"\">and young professionals<\/span><\/div>\n<div class=\"mainSlider__line\"><span class=\"\">to buy a home<\/span><\/div>\n<\/div>\n\t\t\t\t\t\t\t\t<div class=\"indent\"><\/div>\n\t\t\t\t\t\t\t\t<a href=\"\/en\/services\/individuals\/housing-guarantees-for-young-professionals\/\" class=\"mainSlider__link\">Learn more<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"altum-slider-bottom-controls container\">\n\t\t\t\t\t\t<div class=\"altum-slider-pagination\" tabindex=\"0\">\n\t\t\t\t\t\t\t<div class=\"altum-slider-nav\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"altum-slider-toggle\">\n\t\t\t\t\t\t\t<button id=\"altum-slider-toggle-autoplay\" tabindex=\"0\">\t\n\t\t\t\t\t\t\t\t<svg width=\"800px\" height=\"800px\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t\t\t\t<path d=\"M15 5V19M21 5V19M3 7.20608V16.7939C3 17.7996 3 18.3024 3.19886 18.5352C3.37141 18.7373 3.63025 18.8445 3.89512 18.8236C4.20038 18.7996 4.55593 18.4441 5.26704 17.733L10.061 12.939C10.3897 12.6103 10.554 12.446 10.6156 12.2565C10.6697 12.0898 10.6697 11.9102 10.6156 11.7435C10.554 11.554 10.3897 11.3897 10.061 11.061L5.26704 6.26704C4.55593 5.55593 4.20038 5.20038 3.89512 5.17636C3.63025 5.15551 3.37141 5.26273 3.19886 5.46476C3 5.69759 3 6.20042 3 7.20608Z\" stroke=\"#0F558E\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t<\/button>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/section>\n\t\t\t\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-c64db30 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c64db30\" 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-ce789b2\" data-id=\"ce789b2\" 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-7293a0f elementor-widget elementor-widget-altum-search-bar\" data-id=\"7293a0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-search-bar.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"mainSearch__wrap\">\n\t\t\t\t<form role=\"search\" method=\"get\" action=\"\/\">\n\t\t\t\t\t<input type=\"hidden\" name=\"search_category\" value=\"all\">\n                    <div class=\"searchBlock\">\n                        <button type=\"submit\" class=\"searchBlock__btn\">\n                            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"26\" height=\"26\" viewBox=\"0 0 26 26\" fill=\"none\" class=\"searchBlock__btn-img replaced-svg\" role=\"img\" aria-label=\"Mekl\u0113\u0161ana\">\n                                <path d=\"M25.3606 22.3049L18.618 15.5607C19.9618 13.4616 20.483 10.9399 20.0814 8.4799C19.6798 6.0199 18.3837 3.79503 16.442 2.23259C14.5004 0.670152 12.0501 -0.119703 9.5617 0.0147216C7.07332 0.149146 4.72232 1.19837 2.96021 2.96089C1.19809 4.72342 0.149111 7.07496 0.0147182 9.56392C-0.119675 12.0529 0.669996 14.5037 2.23207 16.4458C3.79415 18.3879 6.0185 19.6843 8.47793 20.086C10.9374 20.4878 13.4585 19.9665 15.5571 18.6223L22.2997 25.3665C22.7058 25.7721 23.2562 26 23.8301 26C24.4041 26 24.9545 25.7721 25.3606 25.3665C25.5631 25.1663 25.724 24.928 25.8337 24.6652C25.9435 24.4024 26 24.1205 26 23.8357C26 23.5509 25.9435 23.2689 25.8337 23.0062C25.724 22.7434 25.5631 22.505 25.3606 22.3049ZM2.89475 10.1162C2.89475 8.68806 3.31814 7.292 4.11138 6.10455C4.90463 4.9171 6.0321 3.99159 7.35122 3.44507C8.67034 2.89854 10.1219 2.75555 11.5222 3.03416C12.9226 3.31278 14.2089 4.00049 15.2185 5.01034C16.2281 6.02018 16.9157 7.3068 17.1942 8.70749C17.4728 10.1082 17.3298 11.56 16.7834 12.8795C16.237 14.1989 15.3117 15.3266 14.1246 16.1201C12.9374 16.9135 11.5417 17.337 10.1138 17.337C8.19922 17.337 6.36302 16.5762 5.00917 15.2221C3.65533 13.8679 2.89475 12.0313 2.89475 10.1162Z\" fill=\"#00B3C9\"><\/path>\n                            <\/svg>\n                        <\/button>\n                        <input type=\"text\" class=\"searchBlock__input\" name=\"s\" placeholder=\"Search\">\n                    <\/div>\n                <\/form>\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-7dec980 elementor-widget elementor-widget-altum-info-links\" data-id=\"7dec980\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-info-links.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"mainInfoMenu__row infoLinks__new\" style=\"border-bottom: 1px solid #dfdfdf;\">\n                <h3 class=\"mainInfoMenu__h3\">Individuals<\/h3>\n                <div class=\"mainInfoMenu__content\">\n            <div class=\"mainInfoMenuContent__col\"><a href=\"https:\/\/www.altum.lv\/en\/services\/individuals\/loan-for-purchasing-housing-in-regions\/\" class=\"mainInfoMenuContent__link\"><span>New! Loan for purchasing a home in the regions<\/span><span class=\"mainInfoMenuContent__link-arrow\"><\/span><\/a><a href=\"\/en\/services\/individuals\/housing-guarantees-for-families\/\" class=\"mainInfoMenuContent__link\"><span>Housing guarantees for families<\/span><span class=\"mainInfoMenuContent__link-arrow\"><\/span><\/a><a href=\"\/en\/services\/individuals\/housing-guarantees-for-families\/subsidy-balsts\/\" class=\"mainInfoMenuContent__link\"><span>Subsidy Balsts <\/span><span class=\"mainInfoMenuContent__link-arrow\"><\/span><\/a><a href=\"https:\/\/www.altum.lv\/en\/services\/individuals\/subsidy-balsts-for-families-with-children-with-disabilities\/\" class=\"mainInfoMenuContent__link\"><span>Subsidy Balsts for families with children with disabilities<\/span><span class=\"mainInfoMenuContent__link-arrow\"><\/span><\/a><a href=\"\/en\/services\/individuals\/housing-guarantees-for-young-professionals\/\" class=\"mainInfoMenuContent__link\"><span>Housing guarantees for young professionals<\/span><span class=\"mainInfoMenuContent__link-arrow\"><\/span><\/a><\/div><div class=\"mainInfoMenuContent__col\"><a href=\"\/en\/services\/individuals\/for-the-armed-forces-soldiers\/\" class=\"mainInfoMenuContent__link\"><span>Housing support for NAF soldiers<\/span><span class=\"mainInfoMenuContent__link-arrow\"><\/span><\/a><a href=\"\/en\/services\/individuals\/multi-apartment-building-repair-loan\/\" class=\"mainInfoMenuContent__link\"><span>Loan for renovation of apartment buildings<\/span><span class=\"mainInfoMenuContent__link-arrow\"><\/span><\/a><a href=\"https:\/\/www.altum.lv\/en\/services\/individuals\/energy-efficiency-programme-of-apartment-buildings-2021-2027\/\" class=\"mainInfoMenuContent__link\"><span>Energy Efficiency in Multi-Apartment Buildings<\/span><span class=\"mainInfoMenuContent__link-arrow\"><\/span><\/a><a href=\"\/en\/services\/individuals\/energy-efficiency-of-private-homes\/\" class=\"mainInfoMenuContent__link\"><span>Energy efficiency of private homes<\/span><span class=\"mainInfoMenuContent__link-arrow\"><\/span><\/a><a href=\"\/en\/services\/individuals\/study-and-student-loans\/\" class=\"mainInfoMenuContent__link\"><span>Study and student loans<\/span><span class=\"mainInfoMenuContent__link-arrow\"><\/span><\/a><\/div>  <\/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-8d9db0e elementor-widget elementor-widget-altum-info-links\" data-id=\"8d9db0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-info-links.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"mainInfoMenu__row infoLinks__new\" style=\"border-bottom: 1px solid #dfdfdf;\">\n                <h3 class=\"mainInfoMenu__h3\">Enterprises<\/h3>\n                <div class=\"mainInfoMenu__content\">\n            <div class=\"mainInfoMenuContent__col\"><a href=\"https:\/\/www.altum.lv\/en\/services\/enterprises\/green-transition-loan-or-guarantee-with-capital-rebate\/\" class=\"mainInfoMenuContent__link\"><span>New! Business greening with capital rebate<\/span><span class=\"mainInfoMenuContent__link-arrow\"><\/span><\/a><a href=\"https:\/\/www.altum.lv\/en\/services\/enterprises\/loan-for-starting-a-business\/\" class=\"mainInfoMenuContent__link\"><span>Loans for new companies and startups<\/span><span class=\"mainInfoMenuContent__link-arrow\"><\/span><\/a><a href=\"\/en\/services\/enterprises\/loans-for-companies-energy-efficiency-or-sustainability\/\" class=\"mainInfoMenuContent__link\"><span>Loans for companies\u2019 energy efficiency or sustainability<\/span><span class=\"mainInfoMenuContent__link-arrow\"><\/span><\/a><a href=\"https:\/\/www.altum.lv\/en\/services\/enterprises\/large-investment-loan-with-capital-rebate\/\" class=\"mainInfoMenuContent__link\"><span>Loans with capital rebate<\/span><span class=\"mainInfoMenuContent__link-arrow\"><\/span><\/a><a href=\"https:\/\/www.altum.lv\/en\/services\/enterprises\/credit-guarantees\/\" class=\"mainInfoMenuContent__link\"><span>Credit guarantees<\/span><span class=\"mainInfoMenuContent__link-arrow\"><\/span><\/a><a href=\"https:\/\/www.altum.lv\/en\/services\/enterprises\/export-credit-guarantees\/\" class=\"mainInfoMenuContent__link\"><span>Export Credit Guarantees<\/span><span class=\"mainInfoMenuContent__link-arrow\"><\/span><\/a><\/div><div class=\"mainInfoMenuContent__col\"><a href=\"https:\/\/www.altum.lv\/en\/services\/enterprises\/loans-for-low-rent-housing-construction\/\" class=\"mainInfoMenuContent__link\"><span>Loans for low-rent housing construction<\/span><span class=\"mainInfoMenuContent__link-arrow\"><\/span><\/a><a href=\"https:\/\/www.altum.lv\/en\/services\/enterprises\/energy-efficiency-loan-with-capital-discount\/\" class=\"mainInfoMenuContent__link\"><span>Energy efficiency loan with capital discount<\/span><span class=\"mainInfoMenuContent__link-arrow\"><\/span><\/a><a href=\"https:\/\/www.altum.lv\/en\/services\/enterprises\/digital-transformation\/\" class=\"mainInfoMenuContent__link\"><span>Loans for digital transformation<\/span><span class=\"mainInfoMenuContent__link-arrow\"><\/span><\/a><a href=\"https:\/\/www.altum.lv\/en\/services\/enterprises\/for-the-development-of-innovative-products\/\" class=\"mainInfoMenuContent__link\"><span>For the Development of Inovative Products<\/span><span class=\"mainInfoMenuContent__link-arrow\"><\/span><\/a><a href=\"https:\/\/www.altum.lv\/en\/services\/enterprises\/for-research-and-development\/\" class=\"mainInfoMenuContent__link\"><span>For Research and Development<\/span><span class=\"mainInfoMenuContent__link-arrow\"><\/span><\/a><\/div>  <\/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-9ced059 elementor-widget elementor-widget-altum-info-links\" data-id=\"9ced059\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-info-links.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"mainInfoMenu__row infoLinks__new\" style=\"border-bottom: 1px solid #dfdfdf;\">\n                <h3 class=\"mainInfoMenu__h3\">Rural enterprises<\/h3>\n                <div class=\"mainInfoMenu__content\">\n            <div class=\"mainInfoMenuContent__col\"><a href=\"\/en\/services\/rural-enterprises\/loan-to-agriculturalists\/\" class=\"mainInfoMenuContent__link\"><span>Loan for farmers<\/span><span class=\"mainInfoMenuContent__link-arrow\"><\/span><\/a><\/div><div class=\"mainInfoMenuContent__col\"><a href=\"\/en\/services\/rural-enterprises\/\" class=\"mainInfoMenuContent__link\"><span>Credit Guarantees for Farmers<\/span><span class=\"mainInfoMenuContent__link-arrow\"><\/span><\/a><\/div>  <\/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-d68ad78 elementor-widget elementor-widget-altum-learn-more\" data-id=\"d68ad78\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-learn-more.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"mainInfoMenu__row mainInfoMenu__row-more\">\n                <div class=\"mainInfoMenu__content\">\n                    <div class=\"mainInfoMenuContent__col\">\n                        <h3 class=\"mainInfoMenu__h3\">Venture Capital<\/h3>\n                    <\/div>\n                    <div class=\"mainInfoMenuContent__col\">\n                        <a href=\"\/en\/services\/enterprises\/venture-capital-and-private-equity\/\"   class=\"mainInfoMenuContent__link mainInfoMenuContent__link-arrow\"><span>Learn more<\/span><\/a>\n                    <\/div>\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-61a6c0f elementor-widget elementor-widget-altum-learn-more\" data-id=\"61a6c0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-learn-more.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"mainInfoMenu__row mainInfoMenu__row-more\">\n                <div class=\"mainInfoMenu__content\">\n                    <div class=\"mainInfoMenuContent__col\">\n                        <h3 class=\"mainInfoMenu__h3\">Land Fund of Latvia<\/h3>\n                    <\/div>\n                    <div class=\"mainInfoMenuContent__col\">\n                        <a href=\"\/en\/services\/land-fund-of-latvia\/\"   class=\"mainInfoMenuContent__link mainInfoMenuContent__link-arrow\"><span>Learn more<\/span><\/a>\n                    <\/div>\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-c5e3fdf elementor-widget elementor-widget-altum-learn-more\" data-id=\"c5e3fdf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-learn-more.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n            <div class=\"mainInfoMenu__row mainInfoMenu__row-more\">\n                <div class=\"mainInfoMenu__content\">\n                    <div class=\"mainInfoMenuContent__col\">\n                        <h3 class=\"mainInfoMenu__h3\">Three Seas Initiative Investment Fund<\/h3>\n                    <\/div>\n                    <div class=\"mainInfoMenuContent__col\">\n                        <a href=\"\/en\/services\/three-seas-initiative-investment-fund\/\"   class=\"mainInfoMenuContent__link mainInfoMenuContent__link-arrow\"><span>Learn more<\/span><\/a>\n                    <\/div>\n                <\/div>\n            <\/div>\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-14a7256 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"14a7256\" 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-f891264\" data-id=\"f891264\" 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-c6f7152 elementor-widget elementor-widget-altum-slider\" data-id=\"c6f7152\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-slider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t<section class=\"mainSlider2 dark__blue-bg\">\n\t\t\t<div class=\"swiper2\">\n\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\n\t\t\t\t<div class=\"swiper-slide swiper2__slider\">\n\t\t\t\t\t<div class=\"container\">\n\t\t\t\t\t\t<div class=\"swiper2__content\">\n\t\t\t\t\t\t\t<h3 class=\"swiper2Content__h4\">\n\t\t\t\t\t\t\t\t<p>More than <strong>35,000<\/strong> residents of apartment buildings already live in energy-efficient houses and pay less for heating<\/p>\n\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t<div class=\"swiper2Content__btnWrap\">\n\t\t\t\t\t\t\t\t<a target=\"_blank\" href=\"\/en\/services\/individuals\/energy-efficiency-in-multi-apartment-buildings\/\" class=\"swiper2Content__btn\">Learn more<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div class=\"swiper-slide swiper2__slider\">\n\t\t\t\t\t<div class=\"container\">\n\t\t\t\t\t\t<div class=\"swiper2__content\">\n\t\t\t\t\t\t\t<h3 class=\"swiper2Content__h4\">\n\t\t\t\t\t\t\t\t<p>ALTUM financial instruments\u2019 impact on the national economy is almost EUR <strong>3 billion <\/strong><\/p>\n\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t<div class=\"swiper2Content__btnWrap\">\n\t\t\t\t\t\t\t\t<a target=\"_blank\" href=\"\/en\/about-altum\/financial-information\/\" class=\"swiper2Content__btn\">Learn more<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div class=\"swiper-slide swiper2__slider\">\n\t\t\t\t\t<div class=\"container\">\n\t\t\t\t\t\t<div class=\"swiper2__content\">\n\t\t\t\t\t\t\t<h3 class=\"swiper2Content__h4\">\n\t\t\t\t\t\t\t\t<p>Since last November, <strong>300<\/strong> families with children have received the Balsts subsidy<\/p>\n\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t<div class=\"swiper2Content__btnWrap\">\n\t\t\t\t\t\t\t\t<a target=\"_blank\" href=\"\/en\/services\/individuals\/housing-guarantees-for-families\/subsidy-balsts\/\" class=\"swiper2Content__btn\">Learn more<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"swiper2-pagination\"><\/div>\n\t\t\t<\/section>\n\t\t\t\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-d08b362 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d08b362\" 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-bf45ab0\" data-id=\"bf45ab0\" 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-8246c07 elementor-widget elementor-widget-altum-news-slider\" data-id=\"8246c07\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"altum-news-slider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n                <section class=\"mainNews\">\n                    <div class=\"container\" style=\"width: 100%;\">\n                        <div class=\"mainNews__content mainNews__content-vortal\" style=\"border-top: 1px solid #dfdfdf;\">\n                            <h2 class=\"mainNews__h2\">News<\/h2>\n                            <div class=\"mainNews__wrap\">\n                                <div class=\"mainNews__top\">\n                                    \n                <a href=\"https:\/\/www.altum.lv\/en\/tag\/business\/\" class=\"mainNewsTop__link\" data-tag=\"#Business\" data-id=\"240\">#Business<\/a>\n            \n                <a href=\"https:\/\/www.altum.lv\/en\/tag\/ruralenterprises\/\" class=\"mainNewsTop__link\" data-tag=\"#RuralEnterprises\" data-id=\"241\">#RuralEnterprises<\/a>\n            \n                <a href=\"https:\/\/www.altum.lv\/en\/tag\/altum-en\/\" class=\"mainNewsTop__link\" data-tag=\"#Altum\" data-id=\"242\">#Altum<\/a>\n            \n                <a href=\"https:\/\/www.altum.lv\/en\/tag\/residents\/\" class=\"mainNewsTop__link\" data-tag=\"#Residents\" data-id=\"243\">#Residents<\/a>\n            \n                                <\/div>\n                                <div class=\"mainNews__bottom\">\n                                    <div class=\"mainNews__elem mainNews__elem-active\" id=\"news-slider-1\">\n                                        <div class=\"mainNewsSwiper\" id=\"mainNewsSwiper1\">\n                                            <div class=\"swiper-wrapper\">\n                                                \n                        <div class=\"swiper-slide mainNewsSwiper__slider\">\n                            <div class=\"mainNewsSwiper__content\">\n                                <p class=\"mainNewsSwiper__date\">22. Dec, 2025<\/p>\n                                <a href=\"https:\/\/www.altum.lv\/en\/altum-working-hours-during-the-holidays\/\" class=\"mainNewsSwiper__link\">\n                                    <div class=\"mainNewsSwiperLink__imgWrap\">\n                                        <img decoding=\"async\" src=\"https:\/\/www.altum.lv\/wp-content\/uploads\/2025\/12\/sludinajums-3-300x251.png\"\n                                            class=\"mainNewsSwiperLink__img\" alt=\"Raksta bilde: ALTUM working hours during the holidays\">\n                                    <\/div>\n                                    <p class=\"mainNewsSwiperLink__text\">\n                                        ALTUM working hours during the holidays\n                                    <\/p>\n                                <\/a>\n                                <p class=\"mainNewsSwiper__info\"><\/p>\n                            <\/div>\n                        <\/div>\n                    \n\n                                                <\/div>\n                                            <\/div>\n                                            <div class=\"mainNewsSwiperBtn mainNewsSwiper-next\"><span\n                                                    class=\"mainNewsSwiperBtn__span\"><\/span><\/div>\n                                            <div class=\"mainNewsSwiperBtn mainNewsSwiper-prev\"><span\n                                                    class=\"mainNewsSwiperBtn__span\"><\/span><\/div>\n                                        <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div>\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<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>State-owned development finance institution Learn more More than EUR 66 million has been lent for creation of new businesses Learn more We have helped more than 30,000 families with children [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-8575","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Home - Altum<\/title>\n<meta name=\"description\" content=\"State-owned development finance institution. 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