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.

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 loan^TB 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 loan^TB, its provision is purposeless. The Refinancing mortgage loan^TB 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 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 5 years old.

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.

You can find out the current balance on the mortgage online in the Tatra banka mobile application, in Internet banking^TB, 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 banking^TB, 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.