Refinancing loanTB
Take out the Refinancing loanTB online and we will reduce your interest rate by 1 % every year if you make regular repayments.

100 % discount on the origination fee

Interest rate from
5.99 % 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 5.99 % 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: 10 000 EUR,
term: 96 months

Interest rate:
5.99 % p.a.

Monthly instalment:
131.77 EUR
- 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-time loan fee of 0 EUR, the annual percentage rate of costs is 6.25 % with a monthly loan payment of 131.77 EUR, with the last installment of the loan is in the amount of 56.26 EUR. The total amount to be paid by the client is 12 574.41 EUR, while the interest calculation is based on the actual number of days in individual months and the assumption that the length of the calendar year is 360 days.
Representative example of the APR calculation for the Refinancing loanTB with benefit Extra installments
- You can save more than 600 EUR in the total amount, provided that you also make optional Extra installments of 35 EUR per month, i.e. j. the total amount of the installment will be 166.77 EUR. The total amount paid by the client is 11 879.24 EUR and the annual percentage rate of costs is 7.57 %. The loan will be repaid after the 72nd monthly annuity and extraordinary installments. The last annuity payment of the loan will be 38.57 EUR. Other above-mentioned data do not change.
Representative example of the APR calculation for the Refinancing loanTB with benefit decreasing interest rate
- If the conditions for applying the benefit are met, the interest rate and repayment will be reduced after the anniversary of each twelfth installment, of which the borrower will be informed in advance. The annual percentage rate of costs will be reduced to 3.97 % and the total amount paid by the client will be 11 571.18 EUR.
Frequently asked questions
Every month you have the opportunity to shorten the repayment period with an Extra installment and save. You can make extra installments every month up to 3 times the monthly installment from the comfort of your home, via Internet bankingTB or via the Tatra banka mobile application.
If you have met the conditions for granting the benefit, the interest rate reduction by 1 % p. a. every year, provided from October 3, 2023, Extra installments cannot be made in the Tatra banka mobile application. The possibility of total or partial early repayment remains.
The interest rate from 5.99 % 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/