Home Equity LoanTB
Clients who opt for 3-year fixation receive an interest rate from 0.85 % per year. Even as a convenient car loan.

Favorable interest from 0.85 % p.a. at 3-year fixed-rate period
(representative example)

With reimbursement of costs for early repayment in another bank

Funds for anything

Advantageous property insurance and ability to repay the loan
Benefits
- The Home Equity LoanTB is available up to 80 % of the value of the security. 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 debt to income and the loan security offered.
- Loan repayment will be easier for you. If you transfer your accounts to Tatra banka, you can reduce your monthly installments.
- A Home Equity LoanTB is custom tailored to your individual preferences. Our mortgage specialists will help you with the entire mortgage loan arrangement process and you will get the final home equity loan offer at the first meeting. Look at our guide to know what to expect.
- Tatra banka will provide an expert evaluation of the apartment within 24 hours.
The Home Equity LoanTB brings you also:
- Reduced interest rate on the Consumer loanTB.
In cooperation with UNIQA insurance company you can arrange:
- insurance of your ability to repay a loan, which will give you certainty in the event of unforeseen events that you will be able to continue repaying your mortgage loan,
- property insurance that you can arrange according to your needs.


Where to apply for the loan
DIALOG Live contact center
Would you prefer to handle the entire approval process online? You can then sign the loan agreement at any Tatra banka branch. Call *1100
Branch
Visit any Tatra banka branch, where our mortgage specialists will be happy to help you.
Home equity loan/APR calculation

Loan amount: €50,000,
repayment term: 20 years

Interest rate:
0.85 % p.a.

Monthly installment:
€228.83
With a loan of €50,000, 0.85 % p. a. interest rate, maturity period in months / 240 payments and single charge of €99 for loan provision, single charge of €150 for real property appraisal, single charge of €66 for the Land Register and monthly insurance premium of €3.33 for real property insurance represents the annual percentage rate of 1.07 % with monthly loan payment of €226.62. The total amount to be paid by the client represents €55 503 while calculation of interests is based on an assumption that all months have 30 days and a calendar year has 360 days.
How to manage an existing mortgage loan
Do you belong among those who already have their mortgage loan with Tatra banka? Use the services through which you will always have your mortgage under control.
- Via mobile app Tatra banka, Internet bankingTB and MaFin you can monitor the amount of your balance.
- In the course of repayment you may make extraordinary installments, ask for a change of the original pledged property or defer an installment.
- 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 then decide whether to accept the new interest rate and fixed period or accept an offer for an extended or reduced fixed period with the applicable interest rate.
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 0.85 % p. a. for 3-year fixation and max. 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.
Do you need to deal with a mortgage?
We will contact you with the best offer for you. Leave us your phone number.
https://www.tatrabanka.sk/en/personal/loans/home-equity-loan/