Refinancing loanTB
Transfer your existing loans to Tatra banka and replace them with a single more favorable Refinancing loanTB.
We will reward you with 100 EUR for the proper repayment of the Refinancing loanTB. If you are already a client of Tatra banka, we will double your reward.

100 % discount on the origination fee

Interest rate from
4.99 % p. a.
(representative example)

Option to insure
the ability to repay a loan
See for yourself that refinancing has its benefits
With a Refinancing loanTB you can:
- replace your existing loan with a new one with more favorable terms,
- consolidate several existing loans into one,
- get lower repayments,
- get a lower interest rate,
- get extra funds,
- 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:
- in an amount from 500 to 30 000 EUR,
- for a period from 12 to 96 months (1 to 8 years),
- with a favorable interest rate from 4.99 % to 8.99 % p. a.,
- with an option of extraordinary loan instalments.
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: 5,000 EUR,
term: 72 months

Interest rate:
4.99 % p.a.

Monthly instalment:
80.66
For a loan of 7 000 EUR with a fixed interest rate of 4.99 % p. a., a loan maturity of 96 monthly annuity payments and a one-off loan fee of 0 EUR, the annual percentage rate of charge is 5.18 % for a monthly loan repayment of 88, 82 EUR. The total amount to be paid by the client is 8 484.33 EUR, while the interest calculation is based on the actual number of days in each month and the assumption of a calendar year length of 360 days.
Representative example of RPMN and Example of benefit payment after meeting the conditions, provided that the loan is provided on 16 May 2022 and the date of payment of the installments on the 17th day of the month, while the first installment will be paid on 17 May 2022:
For a loan of 10 000 EUR with a fixed interest rate of 5.99 % p. a., with a loan maturity of 96 monthly annuity payments and a one-off loan fee of 200 EUR, the annual percentage rate of charge is 6.85 % with a monthly loan repayment of 131.77 EUR, with the last loan repayment amounting to 57.68 EUR. The total amount paid by the client is 12 775.83 EUR, while the interest calculation is based on the actual number of days in each month and the assumption of a calendar year length of 360 days.
In the case of the payment of a benefit of 100 EUR on 17 December 2022, the annual percentage rate of charge represents 6.56 % and the total amount paid by the client is 12 675.83 EUR.
In the case of the payment of a benefit of 200 EUR on 17 December 2022, the annual percentage rate of charge represents 6.27 % and the total amount paid by the client is 12 575.83 EUR.
Frequently asked questions
Draw the Refinancing loanTB of at least 3 000 EUR.
Repay the loan properly, without delay and you will not make a partial or full early repayment of the loan (except for Extra repayment via Internet banking or mobile application)
If you had an account for Account for blue planetTB on 16 May 2022 in Tatra banka, we will double your benefit.
You can find the full conditions in the Public promise.
The interest rate from 4.99 % to 8.99 % 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.
In the case of installment loans, it is sufficient to submit loan agreements for the transferred loans, or a request for early repayment with its quantification.
No, you do not pay a fee in accordance with the Service Charges for a refinancing loan.
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/