MortgageTB for a house, apartment and building plot
Get an interest rate starting from 3.69 % p.a. with a 3-year fixation under the Reward programTB Mortgage with a 100 % discount on the loan fee*.
Additionally, until May 31, 2025, we will cover the costs for early repayment when refinancing a property-secured loan from another bank. You can find the details in the campaign terms.
A binding credit relationship will only be established when all commercial and legal requirements are met, on the basis of which the bank approves the loan, and then the credit agreement is concluded within the period specified in this agreement.
*The fee discount for the loan does not apply to the portion related to the valuation of the apartment or property and for the service "We will handle the cadastre for you" - submission of the proposal for the registration of the mortgage contract to the relevant district office.
Mortgage loan calculator
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.
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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.
Get an interest rate discount of up to 0.2 % p. a. with the Reward programTB Mortgage
The more products you choose from our offer, the lower your mortgage interest rate will be, if you also meet the other conditions.
Detailed information can be found in the Terms and Conditions of the Reward programTB Mortgage.
I use
2 other products
Discount 0.2 % p. a. from the interest rate
I use
1 other product
Discount 0.1 % p. a. from the interest rate
I don't use any
other product
Standard interest rate
By using these products, you will reduce the interest rate on the MortgageTB.
- at least one of the borrowers on the loan is the owner of the Account for blue planetTB, and at the same time
- the account was credited with a monthly amount of at least EUR 500 in the form of non-cash credits, while the amount of credits does not include:
- credits, representing a credited payment from another account of the same account holder managed by the bank,
- credits, which represent payments for goods or services made by means of a debit payment card, returned to the merchant,
at the same time:
- at least one transaction per month has been carried out via standing payment order or SEPA direct debit or debit payment card issued to this account, while the following are not included in the number of payment operations:
- payment operations performed through a standing payment order to another account of the same account holder maintained by the bank,
- the loan will not be in arrears with payment or interest payment for more than 15 days on the insured loan.
- for the provided loan, a mortgage repayment insurance policy was concluded, mediated by the Lender at UNIQA pojišťovna, a.s., a branch of an insurance company from another member state, Krasovského 3986/15, 851 01 Bratislava, while
- at least one borrower from the loan is insured,
- the insurance covers at least the risk of death and at the same time,
- at least 70 % of the loan amount is insured if the loan amount is equal to or less than 100 000 EUR or at least 50 % of the loan amount if the loan amount is over 100 000 EUR,
- the loan will not be in arrears with repayment or interest payment for more than 15 days on the insured loan.
How does it work?
The bank evaluates the fulfillment of the conditions for granting the benefit:
- 3 complete calendar months preceding the day of submitting the application for the provision of the loan or its first partial drawdown and subsequently
- the first complete 3 calendar months after the provision of the loan or its first partial drawdown and then every subsequent 3 calendar months.
- If the conditions are not met in the monitored period, the interest rate will be applied without the relevant discount. If the conditions for granting a discount are met in the next monitored period, the discount will be granted again.
The Bank can unilaterally determine the modification of the conditions of the Program after the expiry of the interest rate fixation period. In a written notification, the bank will determine the new amount of Program A discount (Simple discount) and Program B discount (Highest discount) or terminate the Program.
The program also ends if, based on the borrower's request, the bank approves or permits:
- full or partial postponement of loan repayments;
- deferment of loan installments within the meaning of Act. no. 67/2020 Coll. (Lex Corona);
- full or partial postponement of loan repayments due to the birth or adoption of a child;
- extension of the final maturity of the loan in connection with the borrower's request in the above-mentioned cases.
Get the Mortgage for the blue planetTB with a 0.2 % discount on the interest rate and additionally without an loan fee*
The offer is valid for applications submitted by May 31, 2025, upon meeting the conditions of the Mortgage for the blue planetTB campaign.
And now additionally, until May 31, 2025, with a 0.2 % discount on the interest rate.
*The discount on the loan fee does not apply to the portion of the loan fee for the appraisal of the apartment or real estate.
Tip for you: Did you know that at Tatra banka, a photocopy of your energy certificate is enough?
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.
An energy certificate is a legal obligation when selling real estate, renting, constructing and significantly renovating a building, with approval being the decisive status.
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.). The energy certificate is usually placed in a visible place in the lobby of the apartment building. A copy of the energy certificate can also be provided by the building administrator upon request.
The price starts at about 150 EUR up to 300 EUR, depending on the complexity of the construction.
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 .
Mortgage guide
Fulfilling your dream of a new home can be easier than you thought. Read these six simple steps in our Mortgage Loan Guide and see for yourself.
The first step to get a mortgage (home loan) is a consultation. You can choose:
- an online meeting via our DIALOG Live service on the telephone number *1100 or
- a personal visit to a Tatra banka branch.
You will get a non-binding loan offer yet on the first meeting. The offer lasts 30 days during which you can decide on the next step.
If loan parameters and conditions suit you, submit a loan application to a mortgage loan banker.
Documents you will need to submit the loan application:
- documents proving identity of the applicants
- documents proving income of the applicants (e.g. in case of income from business or income from abroad)
- documents related to the loan purpose (e.g. purchase contract, building permit or itemized budget for construction (these documents are not required for Home equity loanTB)
- documents related to the mortgaged property (especially an expert opinion)
As regards the expert opinion, it is required to bring 1 original document. It must not be older than one year (the bank accepts an older expert opinion in case of a refinancing loan – however, it must not be older than 7 years).
Tip: We will arrange an expert for you
If you are putting an apartment under mortgage, have it assessed via Tatra banka. The assessment will be arranged for EUR 150 (for one property, while the bank arranges the assessment only in case it´s not a financed property in case of a loan with the purpose of acquisition).
The approval process of a loan application is made on an individual basis and the result depends on several factors. The process takes into consideration your ability to repay the loan, as well as the value of the mortgaged property.
Tip: Track the status of your application
Activate the Tatra banka mobile application and track the status of processing of your mortgage application online in the product detail.
The mortgage banker will notify you of the result. If you are a Tatra banka client and have activated the Tatra banka mobile application, you will also receive a push notification.
After the loan is approved, we will prepare the contract documents you will be able to go through before signing.
The terms and conditions set out in the contract draft are guaranteed for 30 days.
You have several options how to sign the loan contract:
- at any Tatra banka branch free of charge,
- in front of a notary with charge,
- at the registry office with charge.
Even if you choose to sign the loan contract in front of a notary or at the registry office, you will always need to bring the contract back to the branch.
The mortgage loan banker will check the document and provide signature for the bank.
All you need to draw a loan is:
- to visit the cadastral department of the relevant district office where you will submit all the required documents and pay the charge for the application for entry of mortgage, one original of the application for entry of mortgage (must be confirmed by the Land Register),
- to provide insurance of the mortgage property, which is obligatory for the case of a mortgage loan and bring to the bank the form Confirmation of receipt of the notification of lien creation certified by the insurance company,
- to meet other individual conditions for loan drawing set out in the loan contract and ask for loan drawing at the bank.
Documents required for the Land Register:
- 2x application for entry of mortgage
- 2x mortgage contract
- Copy of power of attorney for the bank
- Other documents defined as attachment in the Application for Entry of Mortgage
During the period when you gradually draw your mortgage, you only pay the bank interests on the drawn portion.
After you have finished the entire loan, you will start paying a monthly annuity payment, which consists of interest and principal.
Tip: Save your time
Leave the visit to the land registry to us. We will deliver the documents to the land registry free of charge.
We can also help you with insurance. We can arrange property insurance from UNIQA pojišťovna, a.s., branch of an insurance company from another member state, directly in our office or by telephone via DIALOG Live service.
Do not forget the terms and conditions after drawing up the loan. You can find exactly what needs to be delivered to the bank in the list of documents included in your loan documentation.
You will repay your loan in monthly annuity instalments. Your instalment will remain the same throughout the entire fixation period.
You can request some changes during the repayment process, such as for example:
- change of instalment day
- change of repayment account
- change of interest rate fixation period
- change of the initially mortgaged property for another
- change of co-borrower
You also have the option to make extra payments.
Tip: Ask for changes online
Download the Tatra banka mobile application to your mobile and ask for a change of the instalment day, change of the repayment account or change of the interest rate fixation period comfortably online.
Online loan changes
It is now possible to apply for selected changes online from the comfort of your home in Internet bankingTB or the Tatra banka mobile application in the Loans section. You can request to change the repayment date, change the repayment account, or change the amount of the interest rate and the period of its fixation (possible only if you received a Notice of the new terms of your loan).
Tax bonus
You can claim the tax bonus at the relevant tax office as part of your tax return.
You can pick up the confirmation for the tax office in person at any Tatra banka branch.
You can claim the tax bonus for the tax period of 2024 if you also meet the conditions set out by law.
Maximum amount of tax bonus:
- 400 EUR per year for contracts concluded from 01. 01. 2018 to 31. 12. 2023 inclusive, up to a maximum of 50 000 EUR
- 1 200 EUR per year for contracts concluded from 01. 01. 2024 inclusive, without limitation of the loan amount
What are the conditions for claiming a tax bonus?
- You have a Mortgage loanTB.
- The tax bonus is an amount in the amount of half of the interest paid on one loan per year.
- You can claim it for 5 years after the loan was granted.
- The main borrower and co-borrower were under the age of 35 on the day of submitting the loan application.
- Your average gross monthly income for the previous calendar year must not exceed the amount set by law.
- For 2023, it is 1.3 times the average monthly wage.
- For 2024, it is 1.6 times the average monthly salary.
- It can be claimed when buying an apartment, house or part thereof, during the construction or completion of real estate, as well as changing or maintaining real estate, or when combining these purposes or their combination with loan repayment.
- You must have real estate in Slovakia and it must be intended for housing (it is used exclusively for your own permanent residence or for your own permanent residence together with close persons, as defined by the Civil Code - applies to contracts concluded from 01. 01. 2024).
- The loan repayment period is from 5 to 30 years.
Frequently asked questions
You can check the processing status of your mortgage application online in the Tatra banka mobile application.
- In the Loans - Application in Progress section, you will see all the stages your application has already gone through, as well as its current status. You will also find all important information regarding your loan here.
- We will send you a push notification every time there is an important moment in the processing of your request or we need your cooperation.
- You can ask us to contact you at any time - the bank employee who dealt with your request will contact you as soon as possible.
If you have not yet activated the Tatra banka application, we will be happy to provide you with information about the status of your application at any of our branches or via the DIALOG Live service at the telephone number *1100.
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 costs of a mortgage loan consist of several items.
- the fee for the appraisal or the expert's fee for the expert opinion
- clients can arrange its preparation at their own expense, or Tatra banka can arrange an expert appraisal of the apartment for the client (the fee for the appraisal of the property is part of the loan fee and its current amount is 150 EUR per apartment)
- in the case of appraisal of the property by an expert, which the client arranges, the amount of the costs depends on the type of property (ranging from approximately 100 EUR)
- a fee for the proposal for the deposit of a lien at the land registry in the amount of 100 EUR,
- a fee for the delivery of documents to the land registry in the amount of 0 EUR, which is also part of the loan fee,
- a loan fee of 175 EUR (the loan fee for the Refinancing mortgage loanTB and the Mortgage for blue planetTB is currently EUR 0*).
*The discount on the loan fee does not apply to the portion of the loan fee for the appraisal of the apartment or property.
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 = 500 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 APR and represents a percentage of the price of a loan of money.
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 APR in order to compare the total cost of loans with different cost structures. For example, if you compare a loan with an interest rate of 1.35 % per annum and an APR of 2.10 % and a loan with an interest rate of 1.55 % per annum and an APR of 1.85 %, you will actually pay less on a loan that has an APR 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 APR 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.
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.
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 7 years old.
In case of early repayment of all or part of the loan, you have several options.
The first of them is the realization of a free extraordinary repayment of the loan in one or more installments, at most once a month, if the sum repaid in aggregate does not exceed 30 % of the principal amount of this loan per calendar year.
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.
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.
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