Refinancing LoanTB
Transfer your existing loans to Tatra banka and replace them with a single more favorable Refinancing LoanTB.
Now with 1. installment waived.
100 % discount on the origination fee
Interest rate from
5.9 % to 8.9 % p.a.(representative example)
Free credit card
for the first year
Option to insure
the ability to repay a loan
See for yourself that refinancing has its benefits
With a Refinancing LoanTB you can:
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replace your existing loan with a new one with more favorable terms,
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consolidate several existing loans into one,
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get lower repayments,
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get a lower interest rate,
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get extra funds,
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arrange a loan during a single visit.
What can be refinanced?
Loans from multiple banks
Loans in non-bank companies
Leasing
Qualification conditions
You can get a Refinancing LoanTB:
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with 1. installment waived,
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in an amount from €500 to €30,000,
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for a period from 24 to 96 months (2 to 8 years),
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with a favorable interest rate from 5.9 % to 8.9 % p. a.,
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with an option of extraordinary loan instalments.
Along with a Refinancing LoanTB you can get a new credit card free of charge for 12 months,
In the case of fulfilling conditions of the Reward ProgramTB and subject to monthly payment of the sum due not later than on the due date, APRC will be 0.00 %. Provided that the credit facility is spent immediately via the POS terminal and the subsequent repayment of only a minimum instalment of 5 % of the due amount - at least EUR 15, the client will have to pay the total sum in the amount: EUR 1 033.72. Parameters used to calculate an example:total credit facility: EUR 650, card type: Visa Standard Private, monthly fee for the main card: EUR 2.50, variable amount of the standard interest rate: 18.80 %, APR: 30.32 %, maturity period: 12 months.
In cooperation with UNIQA insurance company you can arrange to insure your ability to repay a loan, which will give you certainty in the event of unforeseen events that might prevent you from continuing to repay the loan.
Where to apply for the loan?
Leave us your contact information and we will call you back. Loan agreements may be confirmed over the phone by verifying your voice via our unique service Voice BiometricsTB or in any branch.
Selected Tatra banka clients may draw the Refinancing loanTB also via Tatra banka mobile application and Internet bankingTB.
Calculation/APR
Get an idea about how much you will pay for a refinancing loan. Look at the illustrative example with the following details or use the calculator:
Loan amount: €4,000,
term: 72 months
Interest rate:
5.9 % p.a.
Monthly instalment:
€66.26
For a € 6,000 loan with a fixed interest rate of 5.90 % pa, a repayment period of 84 monthly annuity installments (the first one will be paid by Tatra banka), basic insurance (for death and disability) with a monthly premium of € 1.66 and a one-off loan fee € 0 represents an annual percentage rate of charge of 6.76 % at a monthly loan repayment of € 87.60. The total amount paid by the client is € 7,410.24, while the calculation of interest is based on the actual number of days in each month and the assumption of a calendar year of 360 days.
Frequently asked questions
The interest rate from 5.9% to 8.9% p.a. is guaranteed for the refinancing of loans from other banks or from other consumer loan providers even for any outstanding loan balance – which you can get without documenting the purpose, so the money from this portion of a loan can be used for anything.
For installment loans or leases, it is sufficient to submit credit agreements for transferred loans, or, for Refinancing loans from EUR 25,000, also an early repayment request with its quantification.
No, you do not pay a fee in accordance with the Service Charges for a refinancing loan.
You do not pay the first loan installment, we will pay it for you. The first month, you only pay for credit insurance. In the event of partial or full early repayment within the first 24 months of the loan being granted, you are also required to pay the forgiven first installment.
Do you need to deal with a mortgage?
We will contact you with the best offer for you. Leave us your phone number.
https://www.tatrabanka.sk/en/personal/loans/refinancing-loan/