Refinancing mortgage loanTB
Get an interest rate from 3.39 % p. a. for a 3-year fixation under the Reward programTB Mortgage and a special discount for all fixations.
In addition, until August 31, 2025, with a 100 % discount on the loan fee* and reimbursement of early repayment costs when refinancing a loan secured by real estate from another bank. Detail in terms and conditions of campaign.
*The discount on the loan fee does not apply to the part of the loan fee for the appraisal of the apartment or real estate and for the service "We will handle the cadastre for you" - delivery of a proposal for the deposit of a mortgage agreement on real estate to the relevant district office.
A binding credit relationship will only be established when all commercial and legal requirements are met, on the basis of which the bank approves the loan, and then the credit agreement is concluded within the period specified in this agreement.
Refinancing mortgage calculator
Existing loans
New loan
Offer
New monthly payment will be lower by 0 €
Representative example:
The calculation is carried out on the assumption that mortgage loans are refinanced.
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 fee for the cadastre 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 the annual percentage rate of costs % for the 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.
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* Interest rate taking into account the Reward programTB Mortgage and a special discount
** 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, please contact DIALOG Live *1100.
This calculation is only informative.
* Interest rate taking into account the Reward programTB Mortgage and a special discount
** 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, please contact DIALOG Live *1100.
This calculation is only informative.
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 refinancing 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.
I use
2 other products
Discount 0.2 % p. a. from the interest rate
I use
1 other product
Discount 0.1 % p. a. from the interest rate
I don't use any
other product
Standard interest rate
By using these products, you will reduce the interest rate on the Refinancing mortgage loanTB.
- at least one of the borrowers on the loan is the owner of the Account for blue planetTB, and at the same time
- the account was credited with a monthly amount of at least EUR 500 in the form of non-cash credits, while the amount of credits does not include:
- credits, representing a credited payment from another account of the same account holder managed by the bank,
- credits, which represent payments for goods or services made by means of a debit payment card, returned to the merchant,
at the same time:
- at least one transaction per month has been carried out via standing payment order or SEPA direct debit or debit payment card issued to this account, while the following are not included in the number of payment operations:
- payment operations performed through a standing payment order to another account of the same account holder maintained by the bank,
- the loan will not be in arrears with payment or interest payment for more than 15 days on the insured loan.
- for the provided loan, a mortgage repayment insurance policy was concluded, mediated by the Lender at UNIQA pojišťovna, a.s., a branch of an insurance company from another member state, Krasovského 3986/15, 851 01 Bratislava, while
- at least one borrower from the loan is insured,
- the insurance covers at least the risk of death and at the same time,
- at least 70 % of the loan amount is insured if the loan amount is equal to or less than 100 000 EUR or at least 50 % of the loan amount if the loan amount is over 100 000 EUR,
- the loan will not be in arrears with repayment or interest payment for more than 15 days on the insured loan.
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.
The Bank can unilaterally determine the modification of the conditions of the Program after the expiry of the interest rate fixation period. In a written notification, the bank will determine the new amount of Program A discount (Simple discount) and Program B discount (Highest discount) or terminate the Program.
The program also ends if, based on the borrower's request, the bank approves or permits:
- full or partial postponement of loan repayments;
- deferral of loan payments in terms of the Act No. 67/2020 Coll. (Lex Corona) (this reason for the Program termination can no longer occur);
- full or partial postponement of loan repayments due to the birth or adoption of a child;
- extension of the final maturity of the loan in connection with the borrower's request in the above-mentioned cases.
Tips


Mortgage guide
Fulfilling your dream of a new home can be easier than you thought. Read these six simple steps in our Mortgage Loan Guide and see for yourself.
The first step to get a mortgage (home loan) is a consultation. You can choose:
- an online meeting via our DIALOG Live service on the telephone number *1100 or
- a personal visit to a Tatra banka branch.
You will get a non-binding loan offer yet on the first meeting. The offer lasts 30 days during which you can decide on the next step.
If loan parameters and conditions suit you, submit a loan application to a mortgage loan banker.
Documents you will need to submit the loan application:
- documents proving identity of the applicants
- documents proving income of the applicants (e.g. in case of income from business or income from abroad)
- documents related to the loan purpose (e.g. purchase contract, building permit or itemized budget for construction (these documents are not required for Home equity loanTB)
- documents related to the mortgaged property (especially an expert opinion)
As regards the expert opinion, it is required to bring 1 original document. It must not be older than one year (the bank accepts an older expert opinion in case of a refinancing loan – however, it must not be older than 7 years).

Tip: We will arrange an expert for you
If you are putting an apartment under mortgage, have it assessed via Tatra banka. The assessment will be arranged for EUR 150 (for one property, while the bank arranges the assessment only in case it´s not a financed property in case of a loan with the purpose of acquisition).
The approval process of a loan application is made on an individual basis and the result depends on several factors. The process takes into consideration your ability to repay the loan, as well as the value of the mortgaged property.

Tip: Track the status of your application
Activate the Tatra banka mobile application and track the status of processing of your mortgage application online in the product detail.
The mortgage banker will notify you of the result. If you are a Tatra banka client and have activated the Tatra banka mobile application, you will also receive a push notification.
After the loan is approved, we will prepare the contract documents you will be able to go through before signing.
The terms and conditions set out in the contract draft are guaranteed for 30 days.
You have several options how to sign the loan contract:
- at any Tatra banka branch free of charge,
- in front of a notary with charge,
- at the registry office with charge.
Even if you choose to sign the loan contract in front of a notary or at the registry office, you will always need to bring the contract back to the branch.
The mortgage loan banker will check the document and provide signature for the bank.
All you need to draw a loan is:
- to visit the cadastral department of the relevant district office where you will submit all the required documents and pay the charge for the application for entry of mortgage, one original of the application for entry of mortgage (must be confirmed by the Land Register),
- to provide insurance of the mortgage property, which is obligatory for the case of a mortgage loan and bring to the bank the form Confirmation of receipt of the notification of lien creation certified by the insurance company,
- to meet other individual conditions for loan drawing set out in the loan contract and ask for loan drawing at the bank.
Documents required for the Land Register:
- 2x application for entry of mortgage
- 2x mortgage contract
- Copy of power of attorney for the bank
- Other documents defined as attachment in the Application for Entry of Mortgage
During the period when you gradually draw your mortgage, you only pay the bank interests on the drawn portion.
After you have finished the entire loan, you will start paying a monthly annuity payment, which consists of interest and principal.

Tip: Save your time
Leave the visit to the land registry to us. We will arrange the delivery of documents to the land registry free of charge.
We can also help you with insurance. We can arrange property insurance from UNIQA pojišťovna, a.s., branch of an insurance company from another member state, directly in our office or by telephone via DIALOG Live service.
Do not forget the terms and conditions after drawing up the loan. You can find exactly what needs to be delivered to the bank in the list of documents included in your loan documentation.
You will repay your loan in monthly annuity instalments. Your instalment will remain the same throughout the entire fixation period.
You can request some changes during the repayment process, such as for example:
- change of instalment day
- change of repayment account
- change of interest rate fixation period
- change of the initially mortgaged property for another
- change of co-borrower
You also have the option to make extra payments.

Tip: Ask for changes online
Download the Tatra banka mobile application to your mobile and ask for a change of the instalment day, change of the repayment account or change of the interest rate fixation period comfortably online.
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).
Frequently asked questions
https://www.tatrabanka.sk/en/personal/loans/refinancing-mortgage-loan/