Mortgage for housing
Take a mortgage with a favorable interest rate that you can use to buy an apartment, house or land, as well as to build or rebuild.
Mortgage for housing with favorable conditions
Funding
Interest rate
Repayment period
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.
Edit
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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.
Renovate your home and see how much you and the planet can save.
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
How to arrange a mortgage?
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.
Learn more
