Mortgage and financing
Move the sliders, see your payment and send the calculation to the mortgage specialist we work with. She compares the banks’ offers for you.
Monthly payment
€755
Loan €160,000Total interest €111,681
This is an estimate. The mortgage specialist we work with will prepare the actual offers from Slovak banks.
The interest rate in the calculator is only an example, not an offer from a specific bank.
LTV is the ratio of the loan to the property’s value. The value comes from a valuation (expert appraisal), not the purchase price. Banks typically lend up to 80% of the value; a higher loan, up to 90% at most, is available only in a limited number of cases. The rest comes from your own funds.
Fixation is the period during which your interest rate does not change. When it ends, the bank offers a new rate, and at that point you can usually repay the loan or move it to another bank without a fee. A longer fixation gives a predictable payment, a shorter one more flexibility.
The bank assesses whether you can afford the payments. It looks at your total debt relative to income and at the share of income going to repayments, following rules set by the National Bank of Slovakia. Stable income and as few other loans as possible help — credit cards and overdrafts count too.
The exact list varies by bank and your situation. The specialist will tell you exactly what is needed.
The mortgage specialist we work with compares the banks’ offers, helps with the documents and guides you all the way to drawing the loan.