Home equity loanTB
Get an interest rate from 1.09 % p. a. with 1 year fixation. For example as a good car loan.
Home equity loanTB benefits
A home quity non-purpose mortgage is tailor-made according to your individual preferences.
Our mortgage bankers will help you with the entire process of arranging the home equity loan, and you will receive the final loan offer at the first meeting.
- Repaying the loans will be easier for you. If you transfer your loans to Tatra banka, you can reduce your monthly payment.
- We will provide an expert evaluation of the apartment.
- We will provide you with insurance of the ability to repay the mortgage loan.
- You can take out property insurance directly at the branch.
- We will reimburse you for the cost of early repayment of loans at another bank.
- Loan up to 80 % of the security value.
- Rate from 1.09 % p. a. with 1 year fixation.
- A comprehensive mortgage solution, which also includes:
- credit card,
- real estate insurance,
- mortgage insurance.
The amount of the mortgage loan and the interest rate will be determined by the bank after assessing the specific loan case, taking into account the client's ability to repay the loan, the share of the total indebtedness to income and the loan security offered.
Mortgage guide


Guide: Mortgage LoanTB
Did you know that arranging a mortgage loan for housing is really simple? Read these five simple steps in our Mortgage Loan Guide and see for yourself.
Download the guideConsultation
The first step to get a Mortgage LoanTB product is consultation. Schedule a date for your meeting via the DIALOG Live *1100 or visit any of our branches. Our mortgage specialists are credit professionals and are happy to explain everything you want to know.
You will already learn about the complete offer of loan products at the first meeting and then it will be up to you to combine the financing of your new home.
Consultation conditions are valid for 30 days during which you can decide what to do next.

Filing a loan application
If you have chosen a Mortgage LoanTB, after submitting all the required documents you will file your loan application to one of our mortgage specialists. If you apply for a loan with a co-borrower, the co-borrower does not have to be present when filing the application, provided the co-borrower signed the applicable approvals during the consultation.

Which documents will you need for an application?
- your proof of identity
- your evidence of income (for example income from a business or income from abroad)
- proof of loan purpose (in the event of special-purpose loans – e.g. purchase agreement, building permit or an itemized budget)
- documents for pledged property (namely appraisal)
If you are creating a lien on a flat, you could have it valued through Tatra banka – we will provide an expert apartment evaluation within 24 hours for 150 EUR per property.
You can also use the services of an expert of your own choice and submit one original copy of the appraisal. It cannot be older than one year (in the event of a refinance loan, we also accept an older appraisal but not more than five-years old).
Approval of your application
In addition to evaluating your ability to repay a loan and credit-worthiness, the approval of the loan application also includes verification of the appraisal. Our mortgage specialist will notify you of the outcome of the loan approval process. After the approval, we will prepare your contract documents. The bank guarantees the conditions laid out in the draft loan agreement for 30 days. When signing the loan agreement, our mortgage specialist will explain what steps you must take for loan disbursement.

Options to sign an agreement
You have several options to sign an agreement:
- in a Tatra banka branch free of charge,
- before a notary for a fee,
- at a registry office for a fee,
Loan disbursement
To get the loan, you only need the following:
- visit the cadastral department at the relevant district office where you will submit the following documents:
- Two copies of the application to record a lien,
- Two copies of the contract for lien,
- a copy of the power of attorney for the bank,
- any other documents specified in an annex to the contract for lien,
- submit to the bank one original application to record a lien specifying the date of its filing at the land registry,
- arrange property insurance, which is compulsory for a mortgage loan, and have your insurance company confirm with the form Confirmation of receipt of the notification on origination of a lien. You can choose any insurance company.
- meet other individual conditions for loan disbursement specified for your loan agreement,
- ask the bank to disburse the loan.

Loan life
Conditions following disbursement and loan changes
Also keep in mind the conditions after loan disbursement. The documents to be submitted to the bank are specified not only in the loan agreement but also in the list of documents that form part of the loan documents.

Loan changes
You will repay your loan in monthly instalments. During the fixed-rate period, your instalment will remain unchanged. During the repayment period, you can, for example:
- make extraordinary instalments,
- ask for a replacement of the original pledged property with a different property,
- ask for a change of the co-borrower,
- ask to postpone instalments.
Fixed interest rate
Use Internet bankingTB or the Tatra banka mobile app and you can have your loan under control.
You can negotiate your fixed interest rate for a specified period of years. During that period your interest rate will not change. At least two months before the end of the fixed interest rate period we will contact you in writing and let you know the new interest rate and the new fixed interest rate period. You can decide, whether you:
- accept the new interest rate and the fixed-rate period,
- accept the offer to extend or shorten the fixed-rate period and the related interest rate.
Home equity loanTB calculator
Requested Loan
Offer
Representative example:
With a loan of EUR, % p. a. interest rate, maturity period in months / payments and single charge of EUR for loan provision, single charge of EUR for real property appraisal, single charge of EUR for the Land Register and monthly insurance premium of EUR for real property insurance represents the annual percentage rate of % with monthly loan payment of EUR. The total amount to be paid by the client represents EUR while calculation of interests is based on an assumption that all months have 30 days and a calendar year has 360 days.
Need more information about the Mortgage Loan?
Leave us your phone number and we will call you.
* 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, please contact DIALOG Live *1100.
This calculation is only informative. The amount of charges for property assessment, Land Register proceedings and insurance premium was determined from available data as the most frequently selected option of our clients.
* 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, please contact DIALOG Live *1100.
This calculation is only informative. The amount of charges for property assessment, Land Register proceedings and insurance premium was determined from available data as the most frequently selected option of our clients.
Frequently Asked Questions
The entire amount of a Home Equity LoanTB is a loan for any purpose, which means that there are no requirements to document any purpose and the funds from the Home Equity LoanTB may be used at your sole discretion. The only exception is a situation when you use the home equity loan to repay other loans – in this case you must repay those loans and any remaining part of the loan may be used for any purpose.
The Consumer LoanTB and the Home Equity LoanTB differ in two important parameters, namely maturity and interest rate:
The Consumer LoanTB – a loan with an interest rate from 5.9 % p. a. and maturity period max. 8 years,
The Home Equity LoanTB – a loan with an interest rate from 1.09 % p. a. with 1 year fixation and maturity 20 years.
In comparison to the Consumer LoanTB, the Home Equity LoanTB requires pledging a property as security.
Yes, the Home Equity LoanTB may be repaid early, even without a fee, on the date of the end of the fixed-interest period. A client may
also provide an extraordinary deposit once a year up to the 20 % of the loan principal free of any charge. In addition to these two options, the costs of early repayment must not exceed 1% of the early repaid amount for the housing loan.
The conditions to obtain the Home Equity LoanTB from Tatra banka are as follows:
- minimum age 18 years,
- documentation of current net monthly income of 350 EUR or more,
- loan up to the maximum amount of 80 % of the pledged property,
- maximum repayment period of 20 years,
- an option to use a portion of the loan to pay fees (loan fee and ensuring expert evaluation of the apartment through Tatra banka),
- pledging of the housing property as security.
Yes, there is. In cooperation with the UNIQA insurance company you can arrange the following via telephone service DIALOG Live or in Tatra banka branch:
- insurance of your ability to repay a loan, which will give you certainty in case of unforeseen events that will prevent you from continuing to repay the loan,
- property insurance that you can arrange according to your needs.
The option of a fixed interest rate is available for 1, 2, 3, 5, 7 and 10 years or the entire loan repayment period.
At least two months before the end of the fixed interest rate period we will contact you in writing and let you know the new interest rate and the new fixed interest rate period. You can decide, whether you:
- accept the new interest rate and the fixed-rate period,
- accept the offer to extend or shorten the fixed-rate period and the related interest rate.
Consultation is the first step to obtain the loan. Schedule a date for your meeting via DIALOG Live *1100. Our mortgage specialists are credit professionals. You will learn about the complete offer of loan products at the first meeting and then it will be up to you to combine the financing for your new home, car loan, cottage or property refurbishment.
After submitting all required documents for the loan approval, you will file a loan application to one of our mortgage specialists. You do not have to complete the application in advance; the mortgage specialist will take care of everything. If you apply for a loan with a co-borrower, the co-borrower need not be present when filing the application, provided the co-borrower signed the applicable approvals during consultation.
In the event that you ask for a loan/home equity loan, you have to bring the following documents with you:
- your proof of identity,
- your evidence of income (for example income from a business or income from abroad),
- documents for pledged property (namely appraisal) – you can also arrange an expert evaluation of the apartment through Tatra banka.
Yes. If you are creating a lien on a flat, you can ask Tatra banka to provide an expert evaluation of the apartment, which we will provide for you within 24 hours for a fee of 150 EUR per property.
You can use the services of an expert of your own choice and submit one original copy of the appraisal. It cannot be older than one year (in the event of a refinance loan, we also accept an older appraisal but not more than five-years old).
In the event your loan has been approved, you must still organize some things: visit the cadastral department at the appropriate district office,
where you must bring two copies of the application to record a lien, two copies of the contract for a lien, a copy of the power of attorney for the bank, as well as any other documents specified as an annex to the contract for a lien. You may also use the bank service We will deal with the cadaster for you, when Tatra banka will deal with the cadaster office.
You must submit to the bank one original application to record the lien specifying the date of its filing at the land register. Arrange property insurance, which is compulsory for a mortgage loan, and have the form of confirmation of the receipt of notification of the origination of lien confirmed by the insurance company. You can choose any insurance company you want.
Our tip: You can arranged for the property insurance via DIALOG Live or Tatra banka branch in cooperation with UNIQA insurance company.
It is also necessary to meet other individual conditions for loan disbursement specified for your loan agreement.
It is possible to ask for an accelerated registration of documents for the register; our mortgage specialist will inform you of the complete procedure. Inform your mortgage specialist on the need to draw the loan quickly and he/she will advise you about the most suitable procedure for your type of loan. Tatra banka will let you draw the loan at the latest within 10 days from the date of submitting all required documents.
Of course you must also monitor the conditions to be met after obtaining the loan. The documents to be submitted to the bank are specified not only in the loan agreement but also in the list of documents that form part of the loan documents.
You will repay your loan in monthly instalments. During the fixed-rate period, your instalment will remain unchanged. During the repayment period, you can, for example:
- make extraordinary instalments,
- ask for a replacement of the original pledged property with a different property,
- ask for a change of the co-borrower,
- ask to postpone instalments.
https://www.tatrabanka.sk/en/personal/loans/home-equity-loan/