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Refinancing mortgage loanTB

Get an interest rate from 3.59 % p. a. with a 1-year fixation with a number of other benefits. Exchange your old mortgage right now and take advantage of mortgage refinancing from Tatra banka.

100 % discount on the loan fee*

100 % discount on the loan fee*

Up to 100 % security value**

Up to 100 % security value**

Online processing of selected changes

Online processing of selected changes

*The discount on the loan fee does not apply to its part for the evaluation of the apartment or real estate and for the delivery of the proposal for the deposit of the contract on the lien on the real estate to the relevant district office.
**A refinancing mortgage is available up to 100 % of the value of the security, as long as the amount of the new loan does not exceed the limit set by the regulator.

Refinancing mortgage calculator

Existing loans

i
i

New loan

Offer

Fixation Interest rate from Monthly payment from

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 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 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.

Need more information about the Mortgage Loan?
Leave us your phone number and we will call you.

 

* 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. The amount of charges for property assessment, Land Register proceedings and insurance premium was determined from available data as the most frequently selected option of our clients.
The interest rate is without taking into account the Reward programTB Mortgage.

Offer for you

Loan amount Interest rate Monthly payment I'm interested

* 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. The amount of charges for property assessment, Land Register proceedings and insurance premium was determined from available data as the most frequently selected option of our clients.
The interest rate is without taking into account the Reward programTB Mortgage.

Example of home equity loan calculation

Loan amount

100 000 EUR

Maturity

30 years

Interest rate

from 3,79 % p. a.

Monthly payment

465,39 EUR

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Get to know the new 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.

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

Standard
interest rate

By using these products, you will reduce the interest rate on the Refinancing mortgage loanTB.


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The bank monitors the fulfillment of the conditions for the first full 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, the interest rate without the discount of the relevant program will be applied.

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Tips

Refinancing mortgageTB to repay existing loans

Exchange your old loans for a new loan from Tatra banka.
The solution is a Refinancing mortgageTB.
If you decide to repay the loan from Account for blue planetTB, you will get a quick overview of your credit and installments in mobile Tatra banka application, or Internet bankingTB.
At the same time, by using Insurance of the ability to repay the loan, you will reduce to Refinancing mortgage TB interest rate o 0.1 % p. a.,, if you also fulfill other conditions. Detailed information can be found in the Terms of the Reward programTB Mortgage.

Refinancing mortgageTB

Merge your loans into one.
The solution is a Refinancing mortgageTB.
If you also take out Insurance for the ability to repay the loan, you will get financial security in the event unexpected events.
At the same time, by using the Account for blue planetTB you will reduce to MortgageTB interest rate by 0.1 % p. a.,, if you also fulfill the others conditions. Detailed information can be found in the Terms of the Reward programTB Mortgage.

Tips for clients about mortgages  

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 
1

Consultation

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.
2

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.

2

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.
3

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.

3

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.

3

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.
4

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.
5

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.

5

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
5

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.

Frequently asked questions

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Need advice?


www.tatrabanka.sk | Dialog: *1100 | Tatra banka a.s.
https://www.tatrabanka.sk/en/personal/loans/refinancing-mortgage-loan/