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Interest rates

for mortgage and consumer finance
VÚB mortages

VÚB mortages

Purpose mortgages from 28.1.2023

Purpose Mortgage

Base rate  (% p.a.)

Final IR (% p.a.)*

1Y fixation 

1,70

from 4,09

3Y fixation

1,75

from 4,09

4Y fixation 

1,75

from 4,19 

5Y fixation

2,03

from 4,19

10Y fixation

2,91

from 4,59

Delay Interest 

 

3,00


Non-purpose mortgage from 28.1.2023

Non-purpose mortgage

Base rate (% p.a.)

Final IR (% p.a.)*

1Y fixation

1,70

from 4,09

3Y fixation

1,75

from 4,09

4Y fixation 

1,75

from 4,19

5Y fixation

2,03

from 4,19

10Y fixation 

2,91 

from 4,59

Delay Interest

 

3,00


Refinancing mortgage from 28.1.2023

Refinancing mortgage

Base rate (% p.a.)

Final IR (% p.a.)*

3Y fixation

1,75

from 4,09

4Y fixation 

1,75 

from 4,19

5Y fixation

2,03

from 4,19

10Y fixation

2,91

from 4,59

Delay interest 

 

3,00

* Final IR after 0,2% discount for loan insurance (contractual)

VÚB loan

VÚB loan

Flexipôžička

% p. a.

- bezúčelová

od 5,9

- na investíciu do domácnosti

od 3,9

Úrok z omeškania (nad rámec štandardnej úrokovej sadzby)

5,0

Flexidebet

Flexidebet

Flexidebet

% p.a.

- nezabezpečený

19,90

Povolené prečerpanie „Štart

18,90

Úrok z omeškania (nad rámec štandardnej úrokovej sadzby)

5,00

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