Mortgage for housing

Currently we provide mortgages in accordance with legislative requirements and regulations up to 90% of the value of the pledged property. If the client needs the full amount of the purchase price to buy property, there are several options:

• apart from the acquired property, to pledge another property (if one is available)
• finance the difference in the purchase price through VÚB loans for real estate investments at a discounted rate (for which qualification is standard), or to refinance the purchase price difference from their own resources.

The total amount of the mortgage depends on the income of the applicant and co-debtors, their commitments as well as the value of the mortgaged real estate.

If the bank can verify income through the Social Insurance Agency, there is no need to document the income.

Transferring mortgages from other banks is simple. Just visit a branch of our bank and present the original loan agreement, including appendices and surveyor’s report (we also accept the original, up to 3 years old). At the latest at the time of drawing the mortgage, it is necessary to submit the consent of the other bank to early repayment of the loan.

In order to get a tax credit with a mortgage for young people, the client must comply with the statutory conditions - age and income. It is possible to be claim it when buying an apartment, house or a part of one, for the construction or completion of real estate, as well as for the modification and maintenance of properties, or even a combination of these purposes.

Entitlement to a tax credit can be applied for with the relevant tax office in your tax return. The basis for applying the tax bonus is a confirmation, which we will issue to you at any branch of VÚB bank upon request.

You can ask to make an extra repayment with a fee at any time. Free extra repayments are possible within the current legislation on each anniversary of the fixed interest rate (at any level) as well as the anniversary of the signing of the contract once a year, up to 20% of the loan principal.

Clients with a temporary inability to repay a mortgage loan due to a deterioration in their financial situation (loss of employment, incapacity, reduced income, family reasons) will be granted a full postponement of repayments for 6 months.

Our mortgage specialists will help you to determine the optimal amount of the mortgage repayment at any branch of VÚB. For the calculation you can also use our mortgage calculator.