How much can I borrow?

Currently we provide mortgages in accordance with legislative requirements and regulations up to 90% of the value of the pledged property. If the client needs the full amount of the purchase price to buy property, there are several options: apart from the acquired property, to pledge another property (if one is available) finance the difference in the purchase price through VÚB loans for real estate investments at a discounted rate (for which qualification is standard), or to refinance the purchase price difference from their own resources. The total amount of the mortgage depends on the income of the applicant and co-debtors, their commitments as well as the value of the mortgaged real estate.

Do I need to prove my income?

If the bank can verify income through the Social Insurance Agency, there is no need to document the income.

Can I apply for a mortgage, even though I have not yet selected a specific property?

Yes, it is possible. If you plan to get your own place, but you have not chosen a specific property, the bank can approve a mortgage certificate on the basis of your application. It is a free promise by the bank to provide a mortgage, which is also a confirmation of the client's creditworthiness based on their financial situation. The certificate is valid for three months. During this period, the client has time to find a suitable piece of property, and the client can produce the certificate as proof of the bank’s promise to e.g. a real estate agent, seller or construction company.

I have a mortgage with another bank, so how can I transfer it to you?

Transferring mortgages from other banks is simple. Just visit a branch of our bank and present the original loan agreement, including appendices and surveyor’s report (we also accept the original, up to 3 years old). At the latest at the time of drawing the mortgage, it is necessary to submit the consent of the other bank to early repayment of the loan.

What documents are necessary to arrange the mortgage?

The basic documents that need to be submitted to the bank are: documents indicating the purpose of the loan (sales contract, building permit, the budget for remodelling, ...) documents proving the amount of income which, after taking into account the projected monthly expenses and other liabilities of the applicant, is sufficient to repay the loan (we can verify the income amount directly at the bank if it is confirmed by the Social Insurance Agency, otherwise it is necessary to submit proof of income), documents for the property in order to secure the loan (in particular the surveyor’s report, etc.) identification documents for persons entering into the loan relationship

Are extra mortgage repayments allowed?

You can ask to make an extra repayment with a fee at any time. Free extra repayments are possible within the current legislation on each anniversary of the fixed interest rate (at any level) as well as the anniversary of the signing of the contract once a year, up to 20% of the loan principal.

How does drawing a mortgage work?

The mortgage can be drawn as one sum or progressively. The first disbursements must be made within 6 months of signing the loan agreement. The client has a period of 18 months from the first drawing to draw the entire mortgage. To draw the mortgage, the client submits a signed request for drawing and documents as per the loan agreement (Conditions of drawing the mortgage). The drawdown can be standard - upon presentation of the ownership deed showing the registered lien in favour of the bank and the Land Registry’s decision to permit the entry, or in express form, when it is sufficient to present the ownership deed with the registered seal and the application for the entry of title in the cadastre confirmed by the Land Registry.

Tax credit for housing and mortgage.

In order to get a tax credit with a mortgage for young people , the client must comply with the statutory conditions - age and income. It is possible to be claim it when buying an apartment, house or a part of one, for the construction or completion of real estate, as well as for the modification and maintenance of properties, or even a combination of these purposes. Entitlement to a tax credit can be applied for with the relevant tax office in your tax return. The basis for applying the tax bonus is a confirmation, which we will issue to you at any branch of VÚB bank upon request.

Is it possible to defer mortgage repayments?

Clients with a temporary inability to repay a mortgage loan due to a deterioration in their financial situation (loss of employment, incapacity, reduced income, family reasons) will be granted a full postponement of repayments for 6 months.

How do you calculate the monthly mortgage repayment?

Our mortgage specialists will help you to determine the optimal amount of the mortgage repayment at any branch of VÚB. For the calculation you can also use our mortgage calculator .

Mortgage for housing

Mortgage for housing with favorable conditions

Funding

Funding for up to 90% of the value of the pledged property

Interest rate

Advantageous interest rate now from only 3.79% p.a.

Repayment period

Mortgage repayment period up to 30 years

Mortgage calculator

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Disclaimer

This calculation is for information only. The interest rate amount for the particular fixation is valid from #D13# % p.a.. The granting of a loan on the terms offered is subject to the bank's approval. The monthly mortgage annuity payment in the amount of €#D12# with an interest rate of #D13# % p.a. with a #D7#-year fixation and a maturity period of #D15# years is €#D14#. No provision fee (upon fulfilment of the bank's conditions). The total amount that the client must pay for the entire maturity period with a #D17#-year fixation is €#D21#, including monthly loan insurance instalments of €#D24#. The annual percentage rate of costs (APR) is #D20#%, the number of instalments is #D16#. The resulting APR is rounded to two decimal places.

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.

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Disclaimer title

This calculation is for information only. The interest rate amount for the particular fixation is valid from #D8# % p.a.. The granting of a loan on the terms offered is subject to the bank's approval. The monthly mortgage annuity payment in the amount of €#D9# with an interest rate of #D8# % p.a. with a #D6#-year fixation and a maturity period of #D5# years is €#D14#. No provision fee (upon fulfilment of the bank's conditions*). The total amount that the client must pay for the entire maturity period with a #D6#-year fixation is €#D21#, including monthly loan insurance instalments of €#D24#. The annual percentage rate of costs (APR) is #D20#%, the number of instalments is #D16#. The resulting APR is rounded to two decimal places.

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.

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Renovate your home and see how much you and the planet can save.

We’ll help you find solutions for your home, show you an estimated price, and calculate the potential state subsidy. Discover how much you can save.

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In addition, you will also get

Wide choice of fixed interest periods

Choose the period during which your mortgage repayment will remain unchanged. You can select from both short-term and long-term fixed interest periods of 1, 3, 4, 5 or 10 years.

VÚB loan for investment in real estate

The option to additionally finance housing or home furnishings at a favourable interest rate and with a 100% discount on the loan provision fee.

Discount on the loan provision fee upon meeting the bank’s conditions:

“Active Account” service

Receive a discount on the mortgage provision fee. It is sufficient to have any current account with VÚB Bank no later than at the time of signing the Loan Agreement, to which you will regularly transfer your monthly income. More information is available in the General Business Terms and Conditions for Housing Loans.

“Energy Certificate” service

Receive a discount on the mortgage provision fee. It is sufficient to submit an energy certificate for the collateral property together with your mortgage application, regardless of the energy class.

Mortgage without invoices

If you are carrying out construction or renovation works on your own, it is sufficient to document the purpose of the loan with photographs, an itemised budget and a statutory declaration.

Favourable savings account with a mortgage

Get a savings account with your mortgage and a preferential bonus interest rate of up to 0.99% p.a.

Favourable insurance

Gain peace of mind in the event of unforeseen life situations. With our mortgage, you can arrange insurance for your loan, property or household directly as part of the loan agreement.

Why choose a mortgage from VUB 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.

Refinancing mortgage

Transfer your mortgage to VUB Bank.

Learn more

How to arrange a mortgage?

Initial meeting

Arrange a meeting. During it, you get basic information about the whole process. We consult everything with you.

Submit applications

You will need proof of identity, proof of income and, if necessary, a surveyor’s report.

Assessment

We will inform you about the result of the approval process. After approval, you come to sign any contractual documents.

Drawing and repayment

Hypotéku môžete čerpať na základe potvrdenia návrhu na vklad a listu vlastníctva s plombou z katastra. Peniaze pošleme na váš účet.

Sustainable Living

Get a mortgage,
that saves nature and money

Planning to buy a property using green technologies? Get a Green Mortgage and save.
As a green bank, we strive to contribute to a healthier and sustainable lifestyle and we're happy to support your eco-living efforts too. You can get our Green Mortgage at a better interest rate.

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Contact Service

Do you have questions about the product or need help setting it up? Feel free to contact us.

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Mortgage for housing