Mortgage for young people
Dreaming about buying your own home?
With a mortgage from VÚB, you can make your dream come true.
With a mortgage from VÚB, you can make your dream come true.
Fulfill your dream of your own home
Interest rate
Repayment period
Bonus
Mortgage calculator
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Your monthly paymentEUR- Interest rate % p.a. - %
- Provisioning Fee - EUR
Disclaimer
This calculation is for information only. 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 €#D12# with an interest rate of #D13#% p.a. with a
#D7#-year fixation and a maturity period of #D15# years is €#D14#.
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 #D17#-year fixation is €#D21#, including monthly loan insurance instalments of €#D24#.
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 €66, 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.
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 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
This calculation is for information only. The interest rate amount for the particular fixation is valid from #D8# % 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 €#D9# with an interest rate of #D8# % p.a. with a
#D6#-year fixation and a maturity period of #D5# years is €#D14#.
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 #D6#-year fixation is €#D21#, including monthly loan insurance instalments of €#D24#.
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 €66, 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.
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 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.
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.
