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Tatra banka

20.9.2017 22:10

Refinancing Mortgage loanTB

Exchange your mortgage loan for Unique MortgageTB
now with advantageous benefit package

  • we will pay the early repayment costs for you

 

Benefit package

Benefit package

Exchange your mortgage loan for a mortgage from Tatra banka with:100% discount on loan charge

  • loan up to the amount of 100% of the mortgaged property value1,
  • bank account Tatra PersonalTB for 3 years free of charge,
  • 100 % discount on the loan charge,
  • we will pay the early repayment costs for you,
  • interest rate yet from 1.45 % p. a. with fixation period of 1, 2 and 3 years1,
  • possibility of using portion of loan without purpose specification or for payment of charges,
  • we will help you with processing the Land Register and cover the documents for you,
  • acceptance of older expert‘s report up to 5 years for all properties2.

Other benefits

  • Final offer already on your first meeting
    Final offer and maximum mortgage loan limit are available for you yet on your first meeting. Loan provision is subject to the approval by the bank.
  • Advantageous interest rate on Non-specific loanTB
    Ask for a Mortgage LoanTB combined with Non-specific loanTB and get it with the lower communicated interest rate.
  • Credit card
    With a possibility of getting a credit card free of charge for 12 months.
  • Apartment appraisal within 24 hours
    Take advantage of a cheaper apartment appraisal by Tatra banka within 24 hours.
  • Mortgage loan specialists
    Our mortgage loan specialists will help you with the entire mortgage loan application process.
  • Advantageous loan insurance and real estate insurance
    You can get the right insurance at the branches of Tatra banka and save time and money.

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. 
2 If the refinancing of at least 50% of the loan amount is made, Tatra banka accepts an earlier expert report up to 5 years for all properties

Representative example refinancing Mortgage LoanTB
With a loan of EUR 50,000, 1.45 % p. a. interest rate, maturity period in months / 360 payments and single charge of 0 € for loan provision, single charge of 150 € 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 1.63 % with monthly loan payment of EUR 171.36. The total amount to be paid by the client represents EUR 63 104,40 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.)

Examples

Examples

If you consider refinancing, compare if it is worth it. We prepared for you 2 examples of clients for whom refinancing is beneficial.

Refunding Mortgage
Home equity

Representative example refinancing Mortgage LoanTB
With a loan of EUR 50,000, 1.45 % p. a. interest rate, maturity period in months / 360 payments and single charge of 0 € for loan provision, single charge of 150 € 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 1.63 % with monthly loan payment of EUR 171.36. The total amount to be paid by the client represents EUR 63 104,40 while calculation of interests is based on an assumption that all months have 30 days and a calendar year has 360 days.

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

 

Representative example refinancing Mortgage LoanTB
With a loan of EUR 50,000, 1.45 % p. a. interest rate, maturity period in months / 360 payments and single charge of 0 € for loan provision, single charge of 150 € 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 1.63 % with monthly loan payment of EUR 171.36. The total amount to be paid by the client represents EUR 63 104,40 while calculation of interests is based on an assumption that all months have 30 days and a calendar year has 360 days.

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.

Representative example refinancing Mortgage LoanTB
With a loan of EUR 50,000, 1.45 % p. a. interest rate, maturity period in months / 360 payments and single charge of 0 € for loan provision, single charge of 150 € 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 1.63 % with monthly loan payment of EUR 171.36. The total amount to be paid by the client represents EUR 63 104,40 while calculation of interests is based on an assumption that all months have 30 days and a calendar year has 360 days.

Calculate our Mortgage LoanTB according to your preferences

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