- Get TatraPersonalTB account with HypotékaTB now for free for 3 years
- Beneficial interest rate
Reduce your interest rate with the state contribution for young people by as much as 3 % during the first five years of loan repayment.
- Portion of loan for payment of charges
Mortgage for young will not only solve your housing issues but you can even use a portion of it for payment of charges. For instance, for payment of charges for loan and apartment assessment via Tatra banka.
- Credit card free of charge
With a possibility of getting a credit card free of charge for 12 months.
- Real property assessment
Make use of cheaper real property assessment by Tatra banka within 24 hours.
- Loan disbursement
You can have your loan disbursed as early as upon application for lien entry to the land registry.
- Extra instalments
Reduce your loan by an extra instalment up to the loan balance. Moreover, the first and all extra instalments upon the end of interest rate fixation period free of charge.
- Mortgage loan specialists
We are ready to provide comprehensive professional advice in every branch.
Conditions for obtaining Mortgage LoanTB with state contribution to the young:
- aged between 18 to 35
- current net income documentation from EUR 350
- with documenting gross income for the previous calendar year (2016), maximum up to
EUR 1 155,70 (valid from 1.1.2017 until 31.3.2017)
- loan up to 70% of the value of pledged property. A combination with HypotékaTB can be provided in case the client will be interested in financing up to 90% of the value of pledged property.
- maximum repayment period 30 years
- possibility of using portion of loan without purpose specification or for payment of charges (charge for loan processing and apartment assessment via Tatra banka)
- optional interest rate fixation for 1, 2, 3, 5 years or for the entire loan repayment period
- secured by the real property meant for living
In co-operation with UNIQA insurance company we can provide the following insurance directly in Tatra banka branch:
- real property insurance with the option of household equipment insurance
- insurance of the ability to repay loan with the coverage of these insurance risks: death, work disability and loss of job
Take advantage of a new service from Tatra banka in solving your mortgage. Thanks to an online video-consultation with a mortgage specialist you will go over the terms and conditions of the loan from the comfort of your home and then you will just come to a branch to submit the application.
- free consultation via computer or tablet with internet anywhere
- following the loan offer and documents directly on the screen during the consultation
- obtaining a loan offer without visiting a branch
- possibility of agreeing on an exact time of the consultation
- weekdays from 8:00 a.m. to 5:00 p.m.
Supported operating systems and Internet browsers for the use of the video-consultation on the customers' part for desktop and tablet devices can be found Here.
Representative exaple Mortgage LoanTB with state contribution to the young
With a loan of EUR 50 000, 0,05 % p. a. interest rate, maturity period in months / 360 payments and single charge of EUR 400 for loan provision, single charge of EUR 150 for real property appraisal, single charge of EUR 66 for the Land Register and monthly insurance premium of EUR 4,76 for real property insurance represents the annual percentage rate of 2,35 % with monthly loan payment of EUR 139,94. The total amount to be paid by the client represents EUR 70 402,00 while calculation of interests is based on an assumption that all months have 30 days and a calendar year has 360 days.