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Fulfill your dream of your own home
0.3% interest rate discount
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.
Make your repayments easier with a tax bonus
What conditions must you meet to qualify for the tax bonus?
- Age limit: up to 35 years of age on the date of submitting your mortgage application (applies also to any co-borrower)
- You can claim it for a period of 5 years
- It can be claimed when purchasing an apartment, house or part thereof, for the construction or completion of a property, as well as for renovation, maintenance, or a combination of these purposes
- You may apply it only to one loan and one property that serves as your residence and must not be rented out
- The repayment term must be between 5 and 30 years
Conditions for the tax bonus on interest paid for contracts signed
from 1 January 2018 to 31 December 2023
- The tax bonus applies to half of the interest paid on one loan per year, up to a maximum of €400
- Income – the average gross monthly income for the calendar year preceding the year in which you sign the mortgage agreement must not exceed 1.3 times the average monthly wage of an employee in the Slovak economy (for multiple applicants, this limit is multiplied by their number)
- The maximum eligible loan amount is €50,000. Your loan may be higher, but the tax bonus will only be granted on the specified maximum amount
Conditions for the tax bonus on interest paid for contracts signed from 1 January 2024
- The tax bonus applies to half of the interest paid on one loan per year, up to a maximum of €1,200
- Income – the average gross monthly income for the calendar year preceding the year in which you sign the mortgage agreement must not exceed 1.6 times the average monthly wage of an employee in the Slovak economy (for multiple applicants, this limit is multiplied by their number)
- No restriction on the maximum loan amount
- The property must be used exclusively for your own permanent residence, or for permanent residence together with close relatives as defined by the Civil Code
Tip for you:
The basis for claiming the tax bonus is a confirmation, which we will issue upon request at any VÚB branch.
For clients with Nonstopbanking services, the confirmation is sent electronically directly to Internet Banking. You will find it in the section MY DOCUMENTS – CONTRACTUAL DOCUMENTATION – ACTIVE PRODUCTS “MORTGAGE” – Documents.
You claim the tax bonus at the competent tax office as part of your tax return, or through your employer in the annual tax reconciliation for the completed calendar year.
