Refinancing mortgage

Do you repay a mortgage in another bank and would like to have better conditions?

VÚB Mortgage for refinancing is designated for you to repay the original mortgage.

To apply, you just need the following documents:

  • the original loan contract
  • an identity card 
  • an expert opinion for the mortgaged property

Why refinance?

  • you can get a favourable interest rate and therefore lower instalments
  • you can annually repay up to 20% of the mortgage loan free of charge
  • we will send the money to repay the original mortgage directly to the original mortgage account

How will my monthly installments change?

It is up to you what interest rate fixation period you choose. You can fix the interest rate for 3, 5 or 10 years. The interest rate and monthly instalment amount can be calculated using the calculator.

Our tips for VÚB Mortgage

Think of more pleasant things and leave loan installments to us. You will not have to watch the calendar so you do not forget to pay an installment anymore. Set up a direct debit and instalments will be paid automatically and in time.

VÚB Mortgage will adapt to you throughout the repayment period. You can increase or decrease monthly instalments or you can change the mortgaged property for another.

Ask also for information on advantageous mortgage insurance on a property or a household that can protect you in case of unexpected situations.



in years
Period during which your interest rate will not change
Amount of monthly
If you are interested in a more detailed offer, please complete our contact form below.

This calculation is only informatory. Monthly repayment for the selected mortgage type   euro (without the state subsidy) and maturity period   in years is   euro. Interest rate from   % p.a. The future value of the loan is   Eur. For more information about the current offer, visit any branch of VÚB.
This calculation is only informatory. Monthly repayment for the selected mortgage type   euro and maturity period   in years is   euro. Interest rate from   % p.a. (the state subsidy applies to first 50 000 euro of the mortgage loan). The future value of the loan is   euro. For more information about the current offer, visit any branch of VÚB.


Procedure for refinancing

Procedure for refinancing

You can easily get a new mortgage at any of our branches. To save time and arrange for the new mortgage quickly, we recommend bringing the following documents with you:

  • the original loan contract
  • an identity document
  • An expert opinion for the mortgaged property, if the original one is older than:
    • 10 years in the case of an apartment
    • 3 years in the case of a house

To download

Documents required for granting a mortgage:

Application for Fleximortgage
Proof of Income (SL)
Proof of Income (AL)
Proof of Income (GL)
Authorization to Sign the Application
Pledge over Property Insurance

Price list

For all fees related to the Refinancing mortgage, refer to the current price list.

Interest rates

Fixation Interest rate
3-year fixation from 1.29%
4-year fixation  from 1.29%
5-year fixation from 1.29%
6-year fixation  from 1.69%
8-year fixation   from 1.99%
10-year fixation from 2.29%



Who can apply for Fleximortgage for the young?

A citizen of the Slovak Republic or a foreigner with permanent residence in the Slovak Republic or abroad.

You are entitled to the state contribution, if:

  • you are 18 - 35 years old; when applying for the mortgage as a couple, you both must meet the condition
  • your average gross income in the previous calendar year did not exceed 1.3 times the average monthly nominal wage in the Slovak economy
  • in the case of a couple, income of applicants is added - i.e. the sum of income cannot exceed 2.6 times the average nominal wage

What Fleximortgage amount and maturity period can be provided?

  • at least EUR 6,600
  • the maximum amount depends on the type and value of the mortgaged property and the ability to repay the loan
  • the minimum repayment period is 4 years
  • the maximum repayment period is 30 years

What should I do if I want to transfer my mortgage to VUB ?

Ask at the bank where you repay your mortgage, when and under what conditions it can be repaid early. Also ask the bank to calculate the loan balance. Also ask for consent to early mortgage repayment, calculation of the fee for early repayment and consent to entering a new bank - VUB Bank to the title deed as the second pledgee (when you repay the loan in the original bank, we will issue consent to its deletion from the title deed as a pledgee).

Submit these documents to VUB Bank and apply for a loan. On the basis of the amount of the loan you need, and your creditworthiness (i.e. the income and expenses that affect your ability to repay the loan), the bank will decide if and under what conditions then mortgage is approved. Try also to calculate the amount of the fees for early repayment and compare it with savings you will achieve by transferring the loan (in addition to the fee for early loan repayment you must also pay your bank for all confirmations it will issue); you may include the fee for early mortgage repayment and other fees directly in the new loan amount.

When we approve the transferred loan, you will have to submit a proposal for registration of the property to the Land Register, where both pledgees - both banks will be specified. When Land Register registers the proposal (data are updated weekly), VUB Bank will transfers the money to your loan account in the previous bank. When the previous bank receives the money, it will issue consent to its deletion as a pledgee from the title deed. Deliver this confirmation to the Lang Register, or the Bank may send the confirmation directly to the Lang Register. VUB Bank will set a date by which you must present the bank with a new title deed in which it will be obvious that the bank is the pledgee.

What documents do I need to present to the bank when applying for Fleximortgage?

You need to present proof of identity and proof of your current address with the application. You do not need to prove your income, the bank will verify it with the Social Insurance Agency. You need an expert opinion for the mortgaged property. If you do not have it or you do not know which expert to contact, the bank itself can elaborate the property evaluation. You also need an insurance policy - insurance of property against damage or destruction. Since a mortgage is essentially a purpose loan for property financing, you have to prove the purpose of the loan. Documents for the purpose (e.g. sales contract, building permit, project and construction budget, contract for work, etc.) are differentiated according to specific purposes. For more information about documents contact mortgage specialists at our branches.

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