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VÚB en > Companies and Entrepreneurs > Products and services > Financing > Loans for entrepreneurs and small businesses > Profi-Hypo loans

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Pobočky

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Affordable interest rate that can be fixed for one, three, five or ten years

No proof of income required

Also no proof of purpose required

Loan application reviewed within 3 days from submission of required supports

More information

You can take advantage of Profihypo lending products below:

  • Profi-Hypo - purpose loans
  • Profi-Hypo - non-purpose loans
  • Profi-Hypo - purpose loans for selected chamber members (e.g. Slovak Chamber of Dentists, Slovak Medical Chamber)

Profi-Hypo loans let you

  • invest in commercial real estate - acquiring real estate and either constructing or reconstructing buildings on the property
  • Consolidate existing loans in a single account
  • Invest in long-term tangible and intangible assets
  • Use 30% of any purpose loan without documenting the purpose
  • Use funds for anything without submitting a purpose of use in the case of a non-purpose loan

Profi-Hypo loan conditions

  • Legal entity or self-employed natural person
    • At least one year in business (one complete financial year)
    • Meets VÚB Banka‘s established creditworthiness criteria
  • Property value determined from an expert opinion prepared by a court expert. Expert opinion required to be prepared in accordance with Decree No. 492/2004 Coll. HYPO/determined general real estate value

Profi-Hypo loan security

  • Blank promissory note
  • Suitable local property:
    • Entered in the Land Registry
    • Transfer of property ownership rights cannot be limited to the property
  • Insurance cover for the property securing the loan and pledging to the bank of any claims paid by the insurance company.

Požadované doklady

Doklady potrebné pre posúdenie žiadosti:

  • žiadosť o úver
  • daňové priznanie a účtovné výkazy za posledné ukončené účtovné obdobie a príp. k ultimu ukončeného polroka aktuálneho účtovného obdobia 

Doklady potrebné k zabezpečeniu úveru:

  • hodnotu nehnuteľnosti stanovuje banka na základe znaleckého posudku, vypracovaného súdnym znalcom. Znalecký posudok musí byť vypracovaný podľa Vyhl. č. 492/2004 Z.z. o stanovení všeobecnej hodnoty nehnuteľnosti v programe HYPO
  • Doklady potrebné po schválení úveru:

doklady preukazujúce oprávnenie na podnikateľskú činnosť

  • doklady k účelu úveru (v prípade účelového úveru)

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