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Digital mortgage loanTB
Apply for a Mortgage loanTB or refinance your mortgage online directly in the Tatra banka mobile application and see you when you sign the contract documentation.
And now with a 100 % discount on the loan fee*. The offer is valid for applications submitted by 16. 06. 2025.
Anytime and anywhere, even for non-clients
Online tracking of the loan application status
Uploading required documents via the mobile application
Option to consult with a mortgage banker
*The discount on the loan fee does not apply to the part of the loan fee for the valuation of the apartment or real estate and for the service "We will handle the cadastre for you" - delivery of a proposal for the deposit of a mortgage agreement on real estate to the relevant district office.
A binding loan relationship will only arise when all commercial and legal requirements are met, on the basis of which the bank approves the loan, and subsequently the loan agreement is concluded within the period specified in this agreement.
Calculate your mortgage amount
Requested loan
Offer
Representative example:
For a EUR loan with an interest rate of % p. a., with a maturity period in months/number of installments (the repayment period is shorter than required because a legal assumption was used to calculate the APR) and with a one-time fee for the loan in the amount of EUR, a one-time fee for the valuation of the property in the amount of EUR, a one-time cadastre fee EUR, a monthly insurance premium for the mortgage repayment insurance of EUR, a monthly charge for the Account for blue planetTB of EUR and an annual insurance premium for real estate insurance in the amount of EUR represents annual percentage rate of costs % for a monthly loan installment EUR (the amount of the last installment of the loan is EUR). The total amount to be paid by the client is EUR, while the calculation of interest is based on the assumption that all months of the year have 30 days and a calendar year has 360 days.
Need more information about the Mortgage Loan?
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* Interest rate with consideration of the Reward programTB Mortgage
** The fixation period is the period during which the bank does not unilaterally change the interest rate. If you are interested in fixing the interest rate for the entire maturity of the loan, you can get more information at the Tatra Bank branch or contact DIALOG Live *1100
This calculation is only informative.
* Interest rate with consideration of the Reward programTB Mortgage
** The fixation period is the period during which the bank does not unilaterally change the interest rate. If you are interested in fixing the interest rate for the entire maturity of the loan, you can get more information at the Tatra Bank branch or contact DIALOG Live *1100
This calculation is only informative.
We make it easier for you to get your dream home
You can now also apply for a mortgage without visiting a branch via the Tatra banka mobile application from the comfort of your home at a time that suits you. Thanks to the digital process, the possibilities of submitting a mortgage application are expanded to 24 hours a day, 7 days a week. Of course, except in cases where you seek personal contact with the bank yourself.
The process of filling out a mortgage application can be interrupted and continued later, within 30 days, allowing you to take as much time as you need to complete the application.
The first physical visit to the bank will only be necessary when signing the contractual documentation.
Filling out the application is intuitive and throughout the entire Digital MortgageTB application process, the application will guide you through informative screens or warning messages.
Filling out the entire application takes approximately 15 minutes.
Of course, you can request a remote consultation with a bank employee at any time during the mortgage application process.
After completing the application and sending all required documents, a bank employee will contact you by phone if additional information is needed
If everything is in order, you will receive a request for signature in the Tatra banka mobile application or Internet bankingTB.
At the same time, you can track the processing status of your mortgage application online in the Loans – Pending application section.
In this quick guide, you will find the individual steps to create an application for both clients and non-clients
Step 1 of 16
In this quick guide, you will find the individual steps to create an application for both clients and non-clients.
Step 1 of 16
Who is the Digital MortgageTB for?
- You can submit an application even if you are not a client of Tatra banka
- You are interested in a new MortgageTB (purpose: purchase of real estate) or refinancing of mortgage
- You have a specific apartment or house in mind that is already built and registered in the land registry
- If you are interested in a specific building plot
- You have income from employment, as a business owner, or as a pensioner
- If you are applying for a mortgage without a co-borrower
Where to apply for a Digital MortgageTB
Frequently asked questions
Can I apply for a MortgageTB even if I am a client of another bank?
Yes, Digital MortgageTB is also available to non-clients of the bank.
For successful verification using Face BiometricsTB, direct and even illumination of the face is necessary. We also recommend that you avoid places with insufficient lighting or, conversely, too intense lighting that causes shadows, and not take a picture with a bright window or other light source in the background. It is important to hold the device perpendicular to your face, at the right height, so that the face is not distorted by turning or tilting the device, and at the same time not to rely on the displayed outline. If you do not have glasses in the photo on your ID card, it is ideal to verify yourself using Face BiometricsTB without glasses. If the application determines that you have glasses, it will prompt you to take them off.
It is ideal to have suitable lighting conditions and the ID card placed on a solid, solid-colored surface so that it can be scanned through the displayed template. It is also advisable to clean the ID card of any dirt. We also recommend wiping the lens on your device's camera.
What obligations do I have to submit an application for a Digital MortgageTB via the mobile application?
The advantage of Digital MortgageTB is that you can more accurately calculate a non-binding offer in the mobile application process based on the information you enter and data verified in the register. This way, you can get a more accurate financing offer compared to informative calculators on the web. At the same time, if you are not interested, you do not have to continue the process.
A non-binding offer is only informative. The bank makes inquiries to the registers to calculate the non-binding offer, and at the same time the client's request is recorded in the credit register.
No, to obtain a loan from the bank, it is not a requirement to have an open current account in Tatra banka. However, if the client has an open account in Tatra banka, he or she has the opportunity to receive a discount by using the Hypotéka Rewards ProgramTB. Detailed information can be found in the Terms and Conditions of the Hypotéka Rewards ProgramTB.
What documents do I need to upload via the mobile application when applying for a Digital Mortgage?
It is important to have the right documents when applying for financing. Required documents include:
- ID card
- Property appraisal
- Purchase agreement or draft purchase contract (if you are buying a property)
- Loan agreement (if you are refinancing your mortgage)
- Income documents (according to the requirements stated in the mobile application)
You can submit the required documents in the following formats: PDF, Word, Excel, ZIP / RAR, Image. The maximum size of a single file is 25 MB, and the total maximum size of uploaded documents is 100 MB.
If the uploaded documents are of poor quality or incorrect, the bank may ask you to resubmit the documents. You can do this via Internet banking or you can submit the documents directly at the branch.
You can upload only some of the documents and you can return to the process of adding additional required documents at any time within the next 30 days from the start of the consultation in the mobile application.
https://www.tatrabanka.sk/en/personal/loans/digital-mortgage-loan/