Interest rates for mortgage and consumer finance
VÚB mortages
Housing mortgage — purpose loan from 25 April 2026
|
Mortgage |
Base rate (% p.a.) |
Final rate (% p.a.)** |
|---|---|---|
1-year fixation |
1,70 |
from 4,39 |
3-year fixation |
1,75 |
from 3,79 |
4-year fixation |
1,75 |
from 3,99 |
5-year fixation |
2,03 |
from 3,99 |
10-year fixation |
2,91 |
from 4,89 |
Default interest |
|
3,00 |
Non-purpose mortgage from 25 April 2026
|
Non-purpose mortgage |
Base rate (% p.a.) |
Final rate (% p.a.)** |
|---|---|---|
1-year fixation |
1,70 |
from 4,39 |
3-year fixation |
1,75 |
from 3,79 |
4-year fixation |
1,75 |
from 3,99 |
5-year fixation |
2,03 |
from 3,99 |
10-year fixation |
2,91 |
from 4,89 |
Default interest |
|
3,00 |
Refinancing mortgage from 25 April 2026
|
Refinancing mortgage |
Base rate (% p.a.) |
Final rate (% p.a.)** |
|---|---|---|
3-year fixation |
1,75 |
from 3,79 |
4-year fixation |
1,75 |
from 3,99 |
5-year fixation |
2,03 |
from 3,99 |
10-year fixation |
2,91 |
from 4,89 |
Default interest |
|
3,00 |
** Final rate after applying a 0.10 % discount for contractual loan insurance, i.e. insurance of the ability to repay a housing loan.
VÚB loan
|
VÚB Loan |
% p.a. |
|---|---|
|
– non-purpose, refinancing |
from 5,99 |
|
– non-purpose with the Green Loan benefit |
from 5,90 |
|
– for investment in household |
from 6,09 |
|
Default interest (above the standard interest rate) |
5,0 |
Flexidebet
|
Flexidebet |
% p.a. |
|---|---|
|
– unsecured |
19,90 |
|
Authorised overdraft “Start” |
18,90 |
|
Default interest (above the standard interest rate) |
5,00 |
