Mortgage LoanTB for house, flat
and building land
Clients who opt for 3-year fixation receive an interest rate from 0.85 % per annum.

With reimbursement of costs for early repayment in another bank

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

Favourable insurance of your flat, home and loan

Mortgage specialists also available on the phone
Advantages of a Mortgage LoanTB from Tatra banka
A Mortgage LoanTB from Tatra banka comes with a number of unique benefits that will make your new beginning easier.
- The Mortgage is available up to 90 % of the security value as of 1.7.2018. If you require a higher amount of credit, you can also apply for a consumer credit with the mortgage. The bank will determine the amount of the loan and the interest rate after assessing the particular loan case, in view of the client's ability to repay the loan, the amount of the total debts to income and the offered loan security.
- Tatra banka will provide an expert evaluation of the apartment within 24 hours.
- A custom-tailored mortgage loan considering individual needs. Our mortgage specialists will help you with the entire mortgage loan arrangement process and you will get the final loan offer at the first meeting. Look at our guide to know what to expect.
- Any purpose portion for anything will please those who want a mortgage loan not only to solve their housing needs but also to cover other expenses.
Along with a mortgage loan, you can get:
- A reduced interest rate on an Consumer loanTB that you can use, for example, as additional financing for the housing or to furnish your household.
In cooperation with UNIQA insurance company you can arrange:
- insurance of your ability to repay a loan, which will give you assurance in case of unforeseen events that might prevent you from continuing to repay the mortgage loan,
- property insurance that you can arrange according to your needs.


Tax bonus
For any Mortgage loanTB concluded from 1 January 2018 you may obtain a tax bonus of up to 400 EUR.
What are the conditions for the tax bonus entitlement?
- the tax bonus applies to ½ of the paid interest from each loan per year with the maximum bonus of 400 EUR
- you may claim it for the period of 5 years
What do you have to fulfil to become entitled to the tax bonus?
- age limit – up to 35 years of age (also applies to the spouse),
- income amount – your gross monthly income for the preceding calendar year must not exceed the statutory amount.
It is possible to claim the bonus upon purchase of an apartment or house or their parts, construction or completion of a property, as well as adjustment or maintenance of a property or a combination of the aforementioned purposes.
The loan repayment period is from 5 to 30 years.

A tip for you:
The entitlement to the tax bonus should be exercised at the applicable tax authority with your tax return.
You can personally pick up your tax office confirmation at any Tatra banka branch.
Where to apply for the 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
Mortgage loan/APR calculation

Loan amount: 50,000 EUR,
repayment term: 30 years

Interest rate:
0.85 % p.a.

Monthly installment: 159.67 EUR
With a loan of 50 000 EUR, 0.85 % p. a. interest rate, maturity period in months / 360 payments and single charge of 99 EUR for loan provision, single charge of 150 EUR for real property appraisal, single charge of 66 EUR for the Land Register and monthly insurance premium of 3.33 EUR for real property insurance represents the annual percentage rate of 1.05 % with monthly loan payment of 157.40 EUR. The total amount to be paid by the client represents 58 177.80 EUR 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 annual percentage rate (APR) expresses the ratio of all loan-related costs.
The calculation includes the loan amount, origination fee, interest rate and other costs such as property insurance, land register fee, property appraisal fee, and similar fees.
In addition to the interest rate, the origination fee, appraisal, application for the registration of lien, property insurance and other loan-related fees are included.
The interest rate is one of the values that are part of the APR calculation and represents a percentage interpretation of the price for the loan amount.
For example: The interest rate determines the amount of interest included in the monthly installment and represents a cost for the borrower. The interest cost along with additional costs is recalculated into the APR percentage to enable a comparison of the total loan-related costs with various loan structures. For example, if you compare a loan with an interest rate of 1.35% and APR of 2.10% and a loan with an interest rate of 1.55% and APR of 1.85%, you can see that you will actually pay less for the loan with the APR of 1.85% even if it has a higher interest rate. With the first loan you will pay less in interest but the other costs, such as insurance, origination fee, etc. are so high that the second loan with the APR of 1.85% is better for you even with the higher interest rate.
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 loan cost includes several items.
The first one is a property appraisal or an expert appraisal fee.
Clients may arrange for the appraisal by themselves or the expert evaluation of the apartment will be provided for the client by Tatra banka (the current amount of the fee for the expert evaluation of the apartment through the bank is 150 EUR).
If you have the property appraised by an external expert the fee depends on the type of the property pledged (this ranges from about 100 EUR).
Other related fees:
- fee for the proposal to deposit a lien in the land register of 66 EUR,
- loan fee (currently 99 EUR),
- fee for property insurance or credit insurance.
Arranging your mortgage loan to buy a house or flat is individual and based on the documents you need to submit and the terms and conditions you have to meet.
However, the average duration for arranging a mortgage loan from preparation of the evaluation model, submitting all necessary documents, filing the application, signing of contracts and then disbursement of the loan usually takes about two weeks.
You have several options available if you want to make early repayment of the mortgage loan or part of it.
The first option is to make an extraordinary installment up to 20% of the loan amount free of charge, once a year, within the period of one month prior to the anniversary of signing the loan agreement.
Another option is to file an application for repayment of the whole loan or a part of it when the fixed interest rate period ends. In this case, the filing of the application as well as the loan repayment itself is free of charge (if the application is filed within the period specified in the notice sent to the client).
The client may also apply for early repayment of the loan or a part of it outside the aforementioned terms by paying a fee for the extraordinary installment, with a maximum up to 1% of the early repaid loan principal.
Currently, in terms of the legislative requirements and regulations, Tatra banka provides housing loans up to 90 % of the value of the pledged property.
If the client needs the full purchase price amount to acquire the property there are several options:
- pledge another property in addition to the acquired property (if available),
- supplement the financing of the purchase price difference with any purpose consumer loan with a favorable interest rate (for which the client has to standardly qualify),
- or use one’s own resources to supplement the purchase price difference.
The total mortgage loan amount depends on the income of the applicant and any co-debtors as well as the value of the pledged property. You can learn the exact amount you qualify for directly by phone via DIALOG Live or at any Tatra banka branch. A bank employee will also inform you about the documents needed and explain the whole loan procedure. For an indicative calculation, use the calculator on the Tatra banka website.
If your pledged property is a flat, it is possible to request an expert evaluation directly at Tatra banka.
The appraisal is subject to a fee of 150 EUR per flat.
If your pledged property is a house or building land, you must directly ask an expert in the construction industry to prepare the expert appraisal.
As standard procedure, Tatra banka accepts an expert appraisal not older than 1 year; in the event of a refinancing loan we accept an expert appraisal up to 5 years old.
The basic documents you need to submit to the bank include:
- documents proving the purpose of the loan (purchase contract, building permit, itemized budget for reconstruction,...),
- documents proving an amount of income sufficient for the loan repayment after considering assumed monthly expenditures as well as other commitments of the applicants (we can verify the income amount at the bank directly if it is confirmed to the bank by the Social Insurance office; otherwise, proof of income must be submitted),
- documents about the property to be used as the loan security (in particular the expert appraisal, etc.),
- proof of identity of the persons entering the credit relationship.
The purposes for which a Mortgage LoanTB may be taken include: acquisition, construction, modification, maintenance, loan repayment or a combination of the above. An American mortgage loanTB may be granted for any purpose.
You can start repaying the mortgage loan upon the loan disbursement. This means that the terms and conditions set out in your property acquisition contract are decisive. If a part of the funds are to be paid before taking over the approved new construction and you will pay this portion from the mortgage loan, you would start repaying your loan already after disbursement of this sum.
When building a family house, Tatra bank is able to grant a loan right from the acquisition of the land.
Subsequently, construction of the family house may be financed in a form of a one-time disbursement (if other property is pledged) or by gradual disbursement in tranches, depending on how you will proceed with the construction of house. After completion of a certain amount of construction, Tatra banka will always refinance your used resources, enabling you to draw additional funds from your mortgage loan to continue construction.
For detailed information, contact a mortgage specialist by phone via DIALOG Live.
For the purposes of granting a mortgage loan, as standard procedure, we accept the following proof of income:
employee – income for the last 12 months is considered (including regular bonuses, 13th and 14th salary) or for a shorter period, however, not less than 6 months,
- employee abroad – for the period of not less than 6 months of employment,
- parental allowance,
- pension benefits – old-age, widow’s, invalidity and retirement,
- natural person – entrepreneur – for not less than one completed tax period,
- legal entity – minimum business duration of 24 months.
The minimum income amount of any person entering a credit relationship in the Slovak Republic is €350 per month.
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https://www.tatrabanka.sk/en/personal/loans/mortgage-loan/