Home equity loan
Take a mortgage loan secured by property, where you don't have to document the purpose of the use of the money.
Take out a non-purpose mortgage
No documents
Lower interest
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How to get a €200 cashback?
Simply meet the following conditions:
A) Click the “I’m interested” button and complete the contact form that appears. You will need to provide:
- your first name, last name, contact phone number, and email address;
- contact details that match the information you provide in your VÚB Mortgage application.
B) Apply for a VÚB Mortgage during the campaign period, then sign the loan agreement and draw down the loan.
The €200 cashback will be credited to the account from which your VÚB Mortgage repayments are made. The cashback will be paid no later than two months after the mortgage has been drawn down.
The campaign is valid from 10 September 2026 to 10 November 2026.
After submitting the form, we will contact you to arrange a meeting.
You can find more information about the benefit conditions in the Public Promise.
Mortgage calculator
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Your monthly paymentEUR
- Interest rate % p.a. - %
- Provisioning Fee - EUR
The APR calculation and the total amount also allow for the following estimated costs of the client, which may differ from the actual costs: the annual cost of insuring the subject of security of €50, the cost of preparing an expert opinion on the subject of security of €150, the cost of registering the lien of €100, and the monthly cost of maintaining a bank account with VÚB* of €11. For the calculation of the APR, the drawing date of the entire amount of the loan is assumed to be #D25#, and the date of the first instalment is #D26#. The amount of annuity instalments is the same in the calculation throughout the entire term of the loan. A flat serves as security for the loan.
Upraviť
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Amount of your mortgageEUR
- Interest rate % p.a. - %
- Provisioning Fee - EUR
The APR calculation and the total amount also allow for the following estimated costs of the client, which may differ from the actual costs: the annual cost of insuring the subject of security of €50, the cost of preparing an expert opinion on the subject of security of €150, the cost of registering the lien of €100, and the monthly cost of maintaining a bank account with VÚB* of €11. For the calculation of the APR, the drawing date of the entire amount of the loan is assumed to be #D25#, and the date of the first instalment is #D26#. The amount of annuity instalments is the same in the calculation throughout the entire term of the loan. A flat serves as security for the loan.
In addition, you will also get
Wide range of fixed-rate periods
Choose the period during which your mortgage payment will remain unchanged. You can select from both short and long interest rate fixations of 1, 3, 4, 5, or 10 years.
Interest rate
from 4.09% p.a. with a 3-year fixation and loan insurance
“Active Account” service
Get a discount on the mortgage arrangement fee. All you need is to have any current account with VÚB Bank no later than at the time of signing your mortgage agreement.
“Energy Certificate” service
Get a discount on the mortgage arrangement fee. Simply submit an energy certificate for the secured property with your mortgage application (regardless of the energy rating).
Advantageous insurance
Gain peace of mind with favourable insurance in the event of unforeseen life situations. With our mortgage, you can include loan, household, and property insurance directly in your mortgage agreement.
Favourable savings account with your mortgage
Get a savings account linked to your mortgage with a preferential bonus interest rate of up to 1.49% p.a.
Why choose a mortgage from VÚB Bank?
We understand mortgages like no one else
The first mortgages in Slovakia were granted by VÚB Bank as early as 1998. Several times mortgage of the year in the Fincentre and TREND weekly evaluation.
We will tailor a mortgage for you
We will provide you with expert advice, discuss your ideas and tailor a mortgage for you. We will help you with the entire mortgage process.
