State help with housing loans
Exceptional tax bonus for increased instalment
For 2023, the Ministry of Finance is responsible for the extraordinary tax bonus on mortgages. All information on the conditions of the aid can be found at: https://www.mfsr.sk/sk/media/tlacove-spravy/pomoc-hypotekami-od-dnes-si-mozu-ludia-ziadat-aj-statny-prispevok.html
This is a one-off aid, where the state will reimburse the client 75% of the increase in the repayment up to €1,800 per year (€150 per month).
How to proceed
The basis for claiming the tax bonus is a receipt, which we will issue free of charge on request at any branch of VUB Bank.
For clients with Nonstopbanking services, the confirmation is sent electronically directly to Internetbanking. You can find it in the section Overview of received messages - MESSAGES, where you can conveniently download it.
You can claim the 2023 special tax bonus at the relevant tax office as part of your tax return or in your employer's annual tax settlement for the completed calendar year.
For clients with nonstopbanking services, the confirmation is sent electronically directly to IB.
Increased instalment allowance
It is covered by the Ministry of Labour, Social Affairs and Family through a subsidy for increased housing loan repayments. All information on the conditions of the aid can be obtained primarily at the offices or on the website of the Social Welfare and Family Labour Office (ÚPSVaR): https://www.upsvr.gov.sk/social-affairs-and-family/socialne-veci/prispevok-na-zvysenu-splatku-uveru-na-byvanie.html?page_id=1321127
The Office of Labour, Social Affairs and Family is responsible for approving entitlement to the allowance.
How to proceed
You don't need any confirmation from your bank to claim the increased repayment allowance.
You can claim the allowance by submitting a written application to the relevant Labour, Social Affairs and Family Office. You will forward the completed and signed application form to the office in whose territorial district you reside. The application can be submitted in person or by post to the address of the office of your place of residence.
A copy of the housing loan agreement is a compulsory attachment to the application form. If for some reason you do not have a loan agreement (housing loan), you can contact your bank branch.
It is also possible to benefit from state aid with loans for refinance mortgages. One of the conditions is that the new loan agreement must specify at least one of the following purposes in addition to the repayment of the previously granted loan: the acquisition of a domestic residential property or part thereof, the construction or renovation/maintenance of a domestic residential property.
