Guides
Practical advice on mortgages, income and interest rates to help you prepare your loan application.
How to qualify for a bigger mortgage
Tips to help you get better terms and a larger loan.
What income do banks accept?
Find out which types of income count and how they are calculated.
Interest rate fixation: what you need to know
The pros and cons of different fixation periods.
How to get a mortgage in Slovakia – step by step
What happens between your first calculation and the money being paid out, and what is set by law versus by your bank.
Mortgage requirements – what the NBS sets and what the bank decides
Which mortgage requirements the NBS makes binding on every bank, and which each bank decides for itself – age, income, credit history and the property.
Interest and interest rates: what they mean and how they're calculated
The rate in percent, interest in euros, the APRC and the ECB rate are different things. Explained with mortgage examples.
Credit registers: get a report and correct an error
A credit report shows loan and application records held about you. We explain paid reports, free access to personal data and how to dispute an inaccuracy.
Mortgage interest tax bonus in Slovakia
Your mortgage contract date determines which tax-bonus rules apply. We explain the difference between contracts through 2023 and from 2024, and how to claim interest.
Early mortgage repayment in Slovakia – when it's free
Extra payments of up to 30% of the principal a year and repayment when a fixation ends are free. Otherwise the bank may charge at most 1% of the amount repaid.
Renovation loan: mortgage or unsecured credit
A major renovation may need a mortgage secured by property; a smaller amount may suit an unsecured loan. Compare total cost, documents and access to funds.
Mortgage payment protection insurance: what it covers
Cover for death, disability, incapacity for work or job loss – when it is voluntary, when it earns a discount and what to check in the terms.
Home insurance for a mortgage: what it must cover
Why the bank requires insurance of the mortgaged flat or house, what assigning the policy means, how to choose the insured sum and how contents insurance differs.
Selling a flat with a mortgage – step by step
You can sell a flat with a mortgage. What matters is the arrangement with the bank, the order of payments and removing the lien from the land register.
A mortgage without collateral or a guarantor: is it possible?
What "security" means for a mortgage – a lien, a guarantor or someone else's property as collateral.
Buying a house in instalments without a mortgage: what to watch out for
Buying in instalments or rent-to-own – when you become the owner and which risks to check.