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Interest rate
Repayment period
Bonus
An interest rate discount to help young people
How can I get a lower interest rate?
Before drawing the mortgage, sign a free contractual addendum at a branch.
Any conditions?
Only that you're under 35 years old, your mortgage meets the conditions for a tax bonus, and you have a 3-, 4- or 5-year fixed period.
How long does the lower interest rate last?
For the first year of repayment or the first 12 instalments.
Mortgage calculator
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Your monthly paymentEUR- Interest rate % p.a. - %
- Provisioning Fee - EUR
Disclaimer
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
Disclaimer title
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.
Model situation
When, who and how to get a discount:
- Apply for a purpose mortgage (e.g. for a purchase, or the renovation/construction of your property).
- We'll inform you about your application's approval process, loan parameters, the right to a tax bonus, and potential extra discount for young people.
- After mortgage approval, you sign the necessary contractual documentation at the bank, including an addendum with an extra interest rate discount for young people.
- You can draw the mortgage after meeting the terms of the loan agreement.
- After drawing, the bank will inform you about the date and amount of subsequent mortgage installments.
Representative example
See our representative example:
The interest rate for a 4-year fixed period is from 4.39% p. a. For a monthly annuity mortgage payment of €100,000.00 with interest rate of 4.39% p. a. and maturity period of 30 years, it amounts to €500.17. No provision fee (upon meeting the bank's conditions).
The total amount that the client must pay over the mortgage period with a 4-year fixed period is €211,131.20, including monthly loan insurance instalments of €70.40. The annual percentage rate of costs (APR) is 5.99%, the number of instalments is 360. The resulting APR is rounded to two decimal places. The granting of a loan on the terms offered is subject to the bank's approval.
An extra interest rate discount for young people of 0.3% for the first 12 mortgage instalments represents an annual saving of €210.60.
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 €66, and the monthly cost of maintaining a bank account with VÚB of €11. For APR calculation, the date of drawing down the entire amount of the loan is assumed to be the 6th September 2023, and the date of the first installment the 5th October 2023. The calculated amount of annuity instalments is the same throughout the entire loan period. A flat serves as security for the loan.
Get a mortgage that saves nature as well as money
Are you planning to buy, build, or renovate a property using green technologies? Get a Green Mortgage and save money. As a green bank striving to contribute to a healthy and sustainable lifestyle, we’ll be happy to support your eco-friendly housing plans. Go ahead and get our Green Mortgage with a preferential interest rate.
More about The Green Mortgage
Our tips for getting a mortgage for young people
What are the conditions for claiming a tax bonus?
- the tax bonus is equal to 50% of the interest paid on one loan per year, up to €400
- it can be claimed for a maximum of 5 consecutive years from the start of the mortgage
- it can be claimed for the purpose of buying a flat/house or part thereof, constructing or completing a property, modifying or maintaining a property, or even for a combination of these purposes
- the loan repayment period is from 5 to 30 years
What requirements do you need to meet to qualify for a tax bonus?
- age limit: you (and all your co-borrowers) must be up to 35 years old on the date of applying for the housing loan
- income amount: your average gross monthly income, calculated for the previous calendar year, must not exceed 1.3 times your average monthly salary.
Tip for you:
You can claim the tax bonus at the relevant tax office as part of your tax return. To apply for the bonus, you need to submit a certificate which you can request at any VÚB branch.
