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Tatra banka

20.6.2018 13:54

Mortgage LoanTB

 

 

  • loan up to the amount of 100% of the mortgaged property value1
  • with interest rate yet from 1.25 % p. a. with fixation period of 3 years

 

 

Benefit package

Benefit package

 

Conditions for Mortgage LoanTB obtaining:

  • minimum age 18 years
  • current net income documentation from EUR 350
  • 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, 7 years or for the entire loan repayment period
  • secured by the real property meant for living

Representative example Mortgage LoanTB

With a loan of EUR 50,000, 1.25 % p. a. interest rate, maturity period in months / 360 payments and single charge of 0 EUR for loan provision, single charge of 150 EUR for real property appraisal, single charge of EUR 66 for the Land Register and monthly insurance premium of EUR 3.33 for real property insurance represents the annual percentage rate of 1.43 % with monthly loan payment of EUR 166.63. The total amount to be paid by the client represents EUR 61 398,60 while calculation of interests is based on an assumption that all months have 30 days and a calendar year has 360 days.

Representative example Credit Card

Total credit limit: 650 EUR, monthly card fee: 2,50 EUR, variable amount of standard interest rate: 18,80 %, annual percentage cost rate: 30,32 %, monthly loan payment: 59,84 EUR, maturity period: 12 months. The total amount to be paid by the client represents: 1 033,72 EUR (on an assumption of immediate drawdown of total credit limit at POS terminal and subsequent monthly remittance of minimum payment – at least 15 EUR - over the 55 months.)

 

1 The amount of the mortgage loan and interest rate will be determined by the bank at consideration of the particular loan case, and that with regard to client´s ability to repay the loan and the offered loan security.

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Conditions

Conditions

Conditions for Mortgage LoanTB obtaining:

  • minimum age 18 years
  • current net income documentation from EUR 350
  • loan up to the amount of 100% of the mortgaged property value
  • 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, 7 years or for the entire loan repayment period
  • secured by the real property meant for living

 

Tax bonus

Tax bonus

You can get a tax bonus of up to EUR 400 with a HypotékaTB concluded as of 1 January 2018.

What are the conditions for getting a tax bonus?

  • Tax bonus relates to ½ of the paid interests of one loan per year, however up to the amount of EUR 400
  • You can claim the tax bonus during the period of 5 years


What criteria do you need to meet to qualify for a tax bonus?

  • Age limit – age up to 35 (applicable also for husband/wife),
  • Income – your average gross monthly income for the previous calendar year must not exceed the legally determined amount.

– Can be claimed at purchase of apartment, house or part thereof, construction or completion of real property and change or maintenance of real property or even by combining these purposes
– Loan repayment period lasts from 5 to 30 years

Tip for you:
You can claim the tax bonus at the respective tax office in terms of a tax return, in 2019 for the first time.
The bank will automatically send you as the main borrower an electronic confirmation for the tax office. You can eventually get the confirmation in person at any Tatra banka branch.

Loan insurance

Loan insurance

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

 

Online consultation

Online consultation

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.


Advantages

  • 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

Accessibility

  • 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.

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