Refinancing the Mortgage
Transfer your existing mortgage to VÚB and save on the monthly installment. You can also change the repayment period or increase the mortgage.
Mortgage refinancing pays off with us
Mortgage increase
Payment
Merge loans
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.
-
Your new monthly installmentEUR
- Interest rate % p.a. - %
- Monthly Savings - EUR
- Total Savings - 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 Data
How to refinance a mortgage from another bank?
In addition, you will also get
Wide range of fixed-rate periods
Choose the period during which your mortgage payment will remain unchanged. For refinancing mortgages, we offer both short and long fixed-rate periods of 3, 4, 5, and 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. All you need is to have any current account with VÚB Bank no later than at the time of signing your mortgage agreement.
Advantageous insurance
Gain peace of mind in the event of unforeseen life situations. With our mortgage, you can include loan, property, or household insurance directly within your loan agreement.
Favourable savings account with your mortgage
Get a savings account linked to your mortgage with a preferential bonus interest rate of up to 0.99% p.a.
Mortgage without invoices
If you are building or renovating on your own, it is sufficient to document the purpose of the loan with photos, a detailed budget, and a statutory declaration.
