MortgageTB for a family house, apartment
also building land
Get an interest rate from 1.09 % p. a. with 1 year fixation.
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.
- Repaying the loans will be easier for you. If you transfer your loans to Tatra banka, you can reduce your monthly payment.
- We will provide an expert evaluation of the apartment.
- We will provide you with insurance of the ability to repay the mortgage loan.
- You can take out property insurance directly at the branch.
- We will reimburse you for the cost of early repayment of loans at another bank.
- Loan up to 80 % of the security value.
- Rate from 1.09 % p. a. with 1 year fixation.
- A comprehensive mortgage solution, which also includes:
- credit card,
- real estate insurance,
- mortgage insurance.
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.
Mortgage guide


Guide: Mortgage LoanTB
Did you know that arranging a mortgage loan for housing is really simple? Read these five simple steps in our Mortgage Loan Guide and see for yourself.
Download the guideConsultation
The first step to get a Mortgage LoanTB product is consultation. Schedule a date for your meeting via the DIALOG Live *1100 or visit any of our branches. Our mortgage specialists are credit professionals and are happy to explain everything you want to know.
You will already learn about the complete offer of loan products at the first meeting and then it will be up to you to combine the financing of your new home.
Consultation conditions are valid for 30 days during which you can decide what to do next.

Filing a loan application
If you have chosen a Mortgage LoanTB, after submitting all the required documents you will file your loan application to one of our mortgage specialists. If you apply for a loan with a co-borrower, the co-borrower does not have to be present when filing the application, provided the co-borrower signed the applicable approvals during the consultation.

Which documents will you need for an application?
- your proof of identity
- your evidence of income (for example income from a business or income from abroad)
- proof of loan purpose (in the event of special-purpose loans – e.g. purchase agreement, building permit or an itemized budget)
- documents for pledged property (namely appraisal)
If you are creating a lien on a flat, you could have it valued through Tatra banka – we will provide an expert apartment evaluation within 24 hours for 150 EUR per property.
You can also 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).
Approval of your application
In addition to evaluating your ability to repay a loan and credit-worthiness, the approval of the loan application also includes verification of the appraisal. Our mortgage specialist will notify you of the outcome of the loan approval process. After the approval, we will prepare your contract documents. The bank guarantees the conditions laid out in the draft loan agreement for 30 days. When signing the loan agreement, our mortgage specialist will explain what steps you must take for loan disbursement.

Options to sign an agreement
You have several options to sign an agreement:
- in a Tatra banka branch free of charge,
- before a notary for a fee,
- at a registry office for a fee,
Loan disbursement
To get the loan, you only need the following:
- visit the cadastral department at the relevant district office where you will submit the following documents:
- Two copies of the application to record a lien,
- Two copies of the contract for lien,
- a copy of the power of attorney for the bank,
- any other documents specified in an annex to the contract for lien,
- submit to the bank one original application to record a lien specifying the date of its filing at the land registry,
- arrange property insurance, which is compulsory for a mortgage loan, and have your insurance company confirm with the form Confirmation of receipt of the notification on origination of a lien. You can choose any insurance company.
- meet other individual conditions for loan disbursement specified for your loan agreement,
- ask the bank to disburse the loan.

Loan life
Conditions following disbursement and loan changes
Also keep in mind the conditions after loan disbursement. 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.

Loan changes
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.
Fixed interest rate
Use Internet bankingTB or the Tatra banka mobile app and you can have your loan under control.
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 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.
Mortgage loanTB calculator
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.
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.
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/