MortgageTB for a family house, apartment
also building land
Interest 0.75 % p. a. at 3-year fixation
Discounted loan fee 99 EUR
Account with the Tatra PersonalTB service package for one year without a fee for its management
With reimbursement of costs for early repayment in another bank
Mortgage for blue planetTB
We have prepared a limited offer for the first 2 500 clients who apply for a loan by September 11, 2021.
With the Mortgage for blue planetTB, you get up to 80 % of the loan amount
the value of the established real estate determined by the bank:
- preferential loan fee of 99 EUR for all
- interest rate 4.99 % p. a. for the Consumer loanTB to co-finance the investment plan from the mortgage
- current account with the Tatra PersonalTB service package for 12 months without a fee for its management from the signing of the loan agreement
Campaign terms: PDF, 68KB
In addition, if you submit to us an Energy Certificate of class A0 or A1 for the financed real estate:
- you get an interest rate of 0.75 % p. a. at 3-year fixation or
0.85 % p. a. for 5-year fixation.
Before visiting a branch, we recommend that you generate a code to grant you preferential terms.
For a loan of 10,000 EUR with a fixed interest rate of 4.99 % p. a., the maturity of the loan with 72 monthly annuity payments, without insurance and with a one-time loan fee of 200 EUR, represents an annual percentage rate of charge of 5.92 % with a monthly loan payment of 161.32 EUR. The total amount to be paid by the client is 11,815.04 EUR, while the interest calculation is based on the actual number of days in individual months and the assumption of a calendar year length of 360 days.
Frequently asked questions about energy certificates
Document proving the energy efficiency of real estate and its classification into individual categories according to the value of primary energy.
In principle, we are talking about the energy class on the scale A0 to G, while each class also corresponds to a more detailed numerical value in kwh.
The law stipulates the obligation of the certificate to the owners of new buildings for approval, buildings that are sold, rented, or buildings with significant renovation (eg if the reconstruction of the building's building structure is greater than 25% of the area. These are mainly thermal insulation, window replacements, superstructures, reconstructions, etc.).
There are registered companies in Slovakia that are authorized to issue energy certificates. In case of loss, simply contact the company that issued you the original certificate.
Reconstruction of an existing property brings with it materials, processes and technologies which, in combination with each other, can improve the final energy class of the building after the completion of the reconstruction.
Act no. 555/2005 Coll. on Energy Performance of Buildings sets out procedures and measures to improve the energy performance of buildings in order to optimize the indoor environment in buildings and reduce carbon dioxide emissions from the operation of buildings. Act no. 555/2005 Coll. On Energy efficiency of buildings is implemented by Decree no. 324/2016 Z.z .
An energy certificate is a legal obligation when selling real estate, renting, constructing and significantly renovating a building, with approval being the decisive status.
Mortgage loan calculator
A loan intended for the acquisition, construction, modification or maintenance of real estate, the repayment of a loan intended for the stated purposes, or a combination of these purposes. The loan is secured by a lien on the real estate.
Clients who choose a 3-year fixation will receive an interest rate of 0.75 % p. a. in case of submission of Energy Certificate class A0 or A1 to the financed real estate and in the amount of the loan up to 80 % of the value of the established real estate determined by the bank.
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.
* 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 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.
* 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 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.
MortgageTB benefits
Tailor-made mortgage with regard to individual solutions.
Our mortgage bankers will help you with the entire process of arranging a mortgage and you will receive the final loan offer at the first meeting.
- Credit up to 90 % of the value of security
- A non-purpose part for anything
- Loan financing from the purchase of building land
- We will provide an expert evaluation of the apartment
- We will provide you with insurance of the ability to repay the loan
- You can arrange real estate insurance directly at the branch
- Online consultation - we will consult the mortgage with you online via telephone
A comprehensive mortgage solution, which also includes:
- property selection
- credit card
- preferential co-financing of the purchase price
Tax bonus
With the MortgageTB concluded from 1 January 2018, you can get a tax bonus of up to 400 EUR.
What are the conditions for entitlement to a tax bonus?
- The tax bonus applies to half of the interest paid on one loan per year, up to a maximum of 400 EUR.
- You can claim it for 5 years.
What do you have to meet to qualify for the tax bonus?
- Age limit - age up to 35 years (also applies to the co-debtor).
- Income Amount - Your average gross monthly earnings for the previous calendar year may not exceed the statutory amount.
The tax bonus can be claimed for the purchase of an apartment, family house or part thereof, for the construction or completion of real estate, as well as for the change or maintenance of real estate or a combination of these purposes.
The length of the loan repayment is from 5 to 30 years.
Tip for you:
You are entitled to the tax bonus at the relevant tax office as part of the tax return. You can pick up the confirmation for the tax office in person at any Tatra banka branch.
Where to apply for a loan
Call center DIALOG Live
Would you rather do the whole approval process online? You can then sign the loan agreements at any Tatra banka branch. Call *1100
How to manage an existing mortgage
Are you one of those who already take out their mortgage at Tatra banka? Use the services with which you will always have it under control.
- You can monitor the amount of your balance via the mobile application Tatra banka, Internet bankingTB and MaFin.
- During the repayment, you can also request a change of the originally established real estate to another, request a change of the co-borrower or a deferral of installments and make extraordinary installments.
- We will contact you in writing at least 2 months before the end of the fixation, we will notify you of the new interest rate and the new fixation period. You can decide whether to accept the new interest rate and the fixation period, or accept an offer to extend or shorten the fixation with the appropriate interest rate, or repay the loan early.
Frequently Asked Questions
General loan information
Arranging your mortgage for a house or apartment is individual according to the documents that need to be documented and the conditions that need to be met.
By default, however, the average length of mortgage process, i. e. from the evaluation model, documentation of all necessary documents, submission of the application, signing of the contracts to the drawdown of the loan itself takes approximately 2 weeks.
The cost of a mortgage loan consists of several items.
The first is the cost of valuing the property or the expert's fee for an expert opinion.
Clients can arrange its elaboration at their own expense, or Tatra banka will provide an expert appraisal of the apartment for the client (real estate appraisal costs are part of the loan fee and their current amount is 150 EUR per apartment).
In the case of real estate appraisal by an expert, which is provided by the client, the amount of costs depends on the type of real estate being established (in the range of approx. 100 EUR).
Other related costs:
- a fee for a proposal to deposit a lien in the cadastre in the amount of 66 EUR,
- loan fee (currently 175 EUR),
- premiums for real estate insurance, or premiums for insurance of the ability to repay a loan.
The purposes for which Mortgage loanTB can be used are: acquisition, construction, change, maintenance, repayment of a loan provided for previous purposes or a combination of these purposes. In the case of the Home equity loanTB, its provision is purposeless. The Refinancing mortgage loanTB is used to repay another mortgage on more favorable terms.
For the purpose of providing a mortgage, we accept income by default:
- employee - income for the last 12 months is assessed retrospectively (including regular bonuses, 13th and 14th salary), or for a shorter period, but at least for 6 months,
- employee abroad - minimum period of employment 6 months,
- pensions - old-age, widow's, invalidity and retirement,
- natural person entrepreneur - at least one completed tax period,
- legal entity - minimum duration of business 24 months.
Minimum income of all persons entering into a credit relationship arising from the territory of the Slovak Republic = 350 EUR.
At Tatra banka, we can recalculate your loan offer at the first meeting. Thanks to the pre-calculated preliminary loan amount, you will find it easier to find the property that we will finance for you. You can apply for a mortgage as soon as you have selected a property.
A citizen of the European Union with income from the territory of the Slovak Republic can apply for a mortgage as standard.
Transferring a mortgage from another bank is easy. Just visit a Tatra banka branch or contact DIALOG Live, where a mortgage specialist will recalculate your loan offer. In addition, Tatra banka accepts an older expert opinion of up to 5 years for all real estate.
The annual percentage rate of charge is the percentage of all costs associated with the loan. The calculation includes e.g. loan amount, loan fee, interest rate and other costs, such as premiums for real estate insurance, cadastral costs, real estate appraisal costs, etc.
In addition to the interest rate, the loan fee, the expert's fee for the expert opinion, the fee for the proposal to deposit the lien, the insurance premium for real estate insurance and other fees associated with the loan are also included here.
The interest rate is one of the values ??included in the calculation of the RPMN and represents a percentage of the price of the money loan.
For example: The interest rate determines the amount of interest that is included in the monthly payment and represents an expense for the client. Interest, together with other costs, is converted into a percentage of the RPMN in order to compare the total cost of the loans with different cost structures. For example, if you compare a loan with an interest rate of 1.35 % per annum and an RPMN of 2.10 % and a loan with an interest rate of 1.55 % per annum and an RPMN of 1.85 %, you will actually pay less on a loan that has an RPMN of 1.85 %. although at first sight it has a higher interest rate. In the first loan you pay less on interest, but other costs, e.g. for insurance, loan fees, etc., are so high that a second loan with an RPMN of 1.85 % is more advantageous, although it has a higher interest rate.
When building a family house, we can finance a loan for you from the acquisition of the land.
Subsequently, the construction of a family house can be financed in the form of a one-off (in the case of the establishment of another real estate) or gradual drawing on tranches, depending on how you proceed with the construction of the real estate. Always after performing a certain volume of work, we will refinance the resources used and you will draw funds for the construction from the mortgage on the house.
Detailed information will be provided by a mortgage specialist in the branch or on the DIALOG Live telephone line.
If the subject of the security is an apartment or a family house, it is necessary to take out real estate insurance (does not apply to land). Clients can take out real estate insurance through DIALOG Live or at a Tatra banka branch (thus saving time), or at an insurance company of their choice.
The mortgage offer is valid for 1 month from its recalculation during the consultation when Tatra banka will calculate the maximum loan amount for which you can qualify with your income and liabilities.
Documents for mortgage process
The basic documents that need to be provided to the bank are:
- proving the purpose of providing the loan (purchase contract, building permit, itemized budget for reconstruction, ...),
- proving the amount of income, which, after taking into account the expected monthly expenses, as well as other obligations of the applicant is sufficient to repay the loan (we can verify the amount of income directly at the bank, if the bank confirms it Social Insurance, otherwise it is necessary to provide proof of income) ,
- documents for real estate used to secure a loan (especially expert opinion, etc.),
- identification document of persons entering into a credit relationship.
Expert testimony
If the established real estate is an apartment, it is possible to request an expert evaluation directly from Tatra banka.
The costs for the appraisal of the property are included in the loan fee and their current amount is 150 EUR per apartment.
In the event that the established real estate is a house or building land, it is necessary to request the preparation of an expert opinion directly by an expert in the field of construction.
As a standard, we accept an expert opinion not older than 1 year, while in the case of a refinancing loan, we accept an expert opinion up to 5 years old.
Early repayment
In case of early repayment of all or part of the loan, you have several options.
The first of these is the implementation of a free extraordinary installment of up to 20 % of the loan amount once a year within one month before the anniversary date of concluding the loan agreement.
Another possibility is to submit an application for repayment of all or part of the loan at the time of expiry of the interest rate fixation period. In this case, the submission of the application and the repayment of the loan itself are free of charge (if the application is submitted within the specified period specified in the notification sent to the client).
The client may request early repayment of the loan or part thereof outside the above-mentioned deadlines, in which case the bank will claim the actual costs related to early repayment of the loan or part thereof, but not more than 1 % of the prepaid principal.
You can repay the mortgage early without the obligation to pay the costs related to the early repayment in case of application no later than on the last day of the period specified in the Notice of new loan conditions in connection with the expiration of the fixation period.
I already have a loan
You can find out the current balance on the mortgage online in the Tatra banka mobile application, in Internet bankingTB, in person at a Tatra banka branch or by phone via DIALOG Live.
You can find out the current interest rate on your mortgage online in the Tatra banka mobile application, in Internet bankingTB, in person at a Tatra banka branch or by phone via DIALOG Live.
You can request changes to the loan via DIALOG Live or at a Tatra banka branch. In the event that you request, for example, a change in the repayment date, or another change in the loan, the change is charged in accordance with the currently valid fee schedule.
https://www.tatrabanka.sk/en/personal/loans/mortgage-loan/