Refinancing the Mortgage

This calculation is for information only. The interest rate amount for the particular fixation is valid from #D16# % 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 €#D6# with an interest rate of #D16# % p.a. with a #D8#-year fixation and a maturity period of #D7# years is €#D17#. 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 #D8#-year fixation is €#D24#, including monthly loan insurance instalments of €#D27#. 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.