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Lower monthly payment

ikona bezhotovostná platba

No charge for mortgage refinancing

Merge multiple loans into one

Mortgage increase for additional resources

In addition, you will also get

Advantageous interest

You can get a favorable
interest rate from 1.29% p.a.

We will refund the costs

for the appraisal of the property (after fulfillment of conditions)

A wide selection of fixation

You can choose from short and long
interest fixation periods up to 8 and 10 years.

All interest rates related to the Housing Mortgage can be found in the interest rate section..

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How to refinance a mortgage from another bank?

Come to any branch of VÚB Bank

You will get basic information on the terms of providing the loan and the documents you will need to apply.

Submit an application

Bring all the necessary documents and apply for a loan.
If multiple people are applying for a loan, sign the application together.

Approval and signature

We will inform you of the outcome of the approval procedure. Then we will arrange a meeting and you will sign the documents.


Bring the signed mortgage agreements and the lien proposal to the Cadastral Office. The office will give you a confirmation based on which you can start to draw the loan.

Most frequently asked questions

What documents do I have to submit?

You will need an original loan agreement and an expert opinion on the mortgaged property.

Do you accept the original expert opinion?

Yes, we also accept the original but it must be a maximum of 3 years old.

I would like to increase my loan, what should I do?

Request an increase when refinancing. We will prepare you an offer based on your income and the value of your property.

Can I refinance even before fixation ends?

Yes, you can transfer a mortgage to us at any time.