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MortgageTB for a house, apartment and building plot

Get an interest rate starting at 4.29 % p. a. with a 5-year fixation with Reward programTB Mortgage.

Mortgage loan calculator

Requested loan



Fixation Interest rate from Monthly payment from:

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.

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.


Offer for you

Loan amount Interest rate Monthly payment I'm interested

* 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.


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.

Highest discount

I use
2 other products

Discount 0.2 % p. a.
from the interest rate

Easy discount

I use
1 other product

Discount 0.1 % p. a.
from the interest rate

I don't use any
other product

interest rate

By using these products, you will reduce the interest rate on the MortgageTB.

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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.
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Get a 100 % discount on the loan fee* with Mortgage for blue planetTB


All you have to do is submit to us the following for the financed real estate when applying for a loan:

  • energy certificate or
  • thermal and technical assessment.

We accept class A0, A1, B.


*The discount does not apply to the following parts of the loan fee: appraisal of the apartment or real estate and delivery of the proposal for the deposit of the lien contract on the real estate to the relevant district office.

Apply for the Mortgage for blue planetTB and get a 100 % discount on the loan fee

Frequently asked questions about energy certificates

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Mortgage guide


Nechajte sa previesť sprievodcom hypotekárnym úverom Pozrite sa, ako prebieha proces hypotekárneho úveru

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 guide 


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.

Schedule a meeting

TIP Hint for you Our mortgage bankers are experts in the field of loans and will be happy to explain anything you may be interested in.

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 bankers. 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.


What documents may you need for the application?

  • identity document of applicants
  • documents on the applicant's income (for example, in the case of business income or income from abroad)
  • documents related to the purpose of the loan (in the case of special purpose loans - for example, a purchase contract, building permit or itemized budget)
  • documents for the established real estate (especially an expert opinion)

You can use the services of an expert of your choice and bring one original expert report. This must not be older than one year (in the case of a refinancing loan, it is also possible to accept an older expert opinion, but not more than 5 years old).

TIP Hint for you If you are building an apartment, have it appraised through Tatra banka - we will prepare an internal expert opinion for a fee of 150 EUR per property.

Approval of your application

In addition to evaluating your ability to repay the loan and creditworthiness, the approval of the loan application also includes the verification of an expert opinion. Our mortgage banker will inform you about the result of the loan approval.


What happens after the loan is approved

After approval, we will prepare the contract documentation for you. The bank guarantees you the conditions specified in the draft loan agreement for 30 days. When signing it, the mortgage banker will explain to you what steps you need to take in order to take out the loan.


Ways of signing the contract

You have several options for signing contracts:

  • at a Tatra banka branch free of charge,
  • before a notary with a fee,
  • at the registry office with a fee.

Loan disbursement

All you need to take out a loan is to:

  • visit the cadastral department at the relevant district office where you will submit the following documents:
    • 2x application to record a lien,
    • 2x lien agreement,
    • a copy of the power of attorney for the bank,
    • or other documents listed as an attachment to the lien agreement,
  • 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 mandatory for a mortgage, and have your insurance company confirm with the Confirmation of receipt of the notification on origination of a lien. You can choose any insurance company.
  • fulfill the other individual conditions for taking out the loan specified in the loan agreement,
  • apply to the bank for a loan.
TIP Hint for you Property insurance from the UNIQA insurance company can be easily and quickly arranged directly at our Tatra banka branch. You can also use the service We will arrange the cadastre for you for a fee of 30 EUR, when the courier will take the necessary documents to the cadastral department of the relevant district office for you.

Loan life

Conditions following disbursement

Don't forget the conditions after taking out the loan. You will learn what exactly needs to be delivered to the bank not only from the General terms and conditions for granting loans, but also from the list of documents that is part of the loan documentation.


Loan changes

You will repay your loan in monthly annuity installments. During the fixation period, your repayment will not change. During repayment, you can, for example:

  • request a change of the originally established property to another,
  • request a change of co-borrower,
  • request deferment of installments,
  • make extraordinary installments. 
TIP Hint for you Request a change in the repayment date, change in the repayment account and change in the amount of the interest rate and its fixation period via Internet bankingTB in the Loans section

Fixed interest rate

You can agree to fix the interest for several years. During this period, your interest will not change. At least 2 months before the end of the fixation, we will contact you in writing, informing you of the new interest rate and the new period of fixation. You can thus decide whether:

  • you accept the new interest rate and fixation period,
  • you will accept the offer to extend or shorten the fixation with the relevant interest rate.

Schedule a meeting

TIP Hint for you We recommend that you use our Internet bankingTB or the Tatra banka mobile application, thanks to which you will receive notifications about your loan electronically.

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 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 branch of Tatra banka.

For the tax period of 2023, you can apply for a tax bonus if you simultaneously meet the conditions set by law for individual tax bonuses.

For 2023, you can only claim one of the tax bonuses below, even if you qualify for both. You can ask the bank to issue both certificates and then decide which certificate to submit to the Tax Office.

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Frequently asked questions

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www.tatrabanka.sk | Dialog: *1100 | Tatra banka a.s.