Prima banka mortgage: rates, fees and terms

Rates and discount conditions

The comparison rate was checked on 19 October 2026. The special offer in the rate sheet requires mortgage approval by 28 October 2026. After that date, use the current rate published by the bank; the old figure is not a promise of future availability. Check the fixation and all approval conditions before signing.

Fees

The standard mortgage arrangement fee is 1% of the loan, with a minimum of €300. Prima banka also publishes campaigns that may reduce the fee for a new mortgage or waive it for a transfer. Each campaign has its own conditions, such as using a personal account and making card payments for a stated period. Ask for written confirmation of the fee for your application.

Loan amount, LTV and term

The bank lists a minimum mortgage amount of €5,000. It sets the maximum based on security, total debt and ability to repay; the reviewed public materials do not specify one upper limit or a universal maximum LTV. NBS lending limits still apply.

Who can apply: age and income

Prima banka verifies income and may request documents for income it cannot verify through Social Insurance. Public materials do not give a reliable universal turnover percentage for self-employed applicants. If you earn business or foreign income, ask the bank which documents and calculation it will use before applying.

Refinancing and top-ups

For mortgage transfers, the bank advertises simplified income documentation and a campaign fee waiver. This does not mean it skips affordability or collateral assessment. Prima banka allows an increase by agreement; the fee and rate depend on the current price list and contract. Check the effect of a new contract on any tax or state support.

Insurance

Insurance for pledged property is required, except when land is the sole security. Payment-protection insurance is a separate option. Check whether a specific discount or campaign requires a particular insurance product.

How to apply

Prepare income, purpose and security documents. For a transfer, provide the original loan and lien agreements and request a fee breakdown. Compare the offer with other banks and check the campaign approval deadline.