Mortgage calculator with LTV, APRC and an amortisation schedule
You can enter your mortgage fees into the calculator, and in addition to an instant calculation of your instalment, you will receive an overview of the annual percentage rate of charge (APRC). The calculation also includes the loan-to-value ratio (LTV).
Mortgage calculations without registration
The Hypokalkulačka.sk application does not require any contact details for the calculations. You will only provide these once you decide to arrange a consultation with a financial agent.
We only need your personal data if you wish to receive mortgage offers directly from banking systems. These offers remain non-binding for you even after the application has been signed. Statutory protection also allows you to withdraw from a loan agreement that has already been concluded.
This model of financial intermediation provides accurate information without any obligation. It gives you room to assess the quality of the professional assistance provided, while the decision on how to proceed remains entirely in your hands.
Your free choice is our priority.
Usage tips
Pridajte si hypokalkulačku na plochu
| Zariadenie | Prehliadač | Ako inštalovať |
|---|---|---|
| Android | Chrome, Edge a ďalšie | V menu (3 bodky) zvoľte "Inštalovať aplikáciu". |
| iPhone / iPad | Safari (odporúčané) | Kliknite na Zdieľať (štvorec so šípkou) a potom "Pridať na plochu". V iných prehliadačoch (napr. Chrome) sa vytvorí len záložka bez plnej funkcionality appky. |
| PC / Mac | Chrome, Edge a ďalšie | V adresnom riadku vpravo hore kliknite na ikonu (+) Inštalovať. |
Ovládajte šípkami
prepínate medzi posuvníkmi
upravujete výšku hodnoty
Vlastné hodnoty bez limitov
Do políčok môžete vpísať vyššiu hodnotu manuálne, napríklad nad 500 000 € alebo nad 7,99 %.
Vysvetlivky
Klikajte na ikonky (›) vedľa otázok pre detailné informácie.
Bezplatná pomoc
Naši licencovaní agenti vám s hypotékou poradia bezplatne.
Našli ste chybu? Kliknite na nahlásiť chybu a dajte nám vedieť. Budeme vďační za každú spätnú väzbu!
Ďakujeme, že používate Hypokalkulačka.sk, Tím AGENT.SK
Mortgage amount and LTV Limits
Hypokalkulačka.sk instantly calculates the required collateral value needed for loan approval. The calculation takes into account 80% and 90% LTV (Loan To Value) limits. This ratio represents the relationship between the loan amount and the total value of the pledged properties.
Important Note: This value is determined by the bank based on a surveyor's report (appraisal) or an internal valuation, not the purchase price. A single property or a combination of multiple properties (e.g., existing and newly purchased) can serve as collateral.
Which property types are accepted?
Banks primarily accept residential properties intended for year-round living, such as apartments, selected holiday flats, family houses, and land plots designated for residential construction.
Key considerations:
- Higher LTV = Fewer Options: Financing above 80% LTV typically reduces your choice of lenders and leads to higher interest rates.
- Legal Status: Before applying, it is crucial to verify liens, encumbrances, and legal access roads.
We provide access to certified surveyors accepted by all major banks and can also arrange for an internal bank appraisal.
A lower mortgage amount relative to the property value results in more financing options and better terms.
Mortgage term and repayment flexibility
Mortgage term is standardly set at 30 years, while some banks allow it to be set up to 40 years (depending on the applicant's age and DTI/DSTI limits). The rule applies: the longer the maturity, the higher the total interest costs, but the lower the monthly burden.
From a long-term perspective, it may be more efficient to choose a longer maturity and lower mandatory payment. You can direct excess funds into creating a reserve, extraordinary deposits, or investing. This approach increases your financial flexibility and protects against an unexpected loss of income.
You can shorten or extend the mortgage term period even during the repayment period. In accordance with legislation and bank conditions, you can make extraordinary deposits or repay the mortgage early without fees (for example, upon the end of fixation or within statutory annual limits).
Reasonable maturity protects your budget.
Interest rate and fixation in a broader context
The interest rate is an important parameter that determines the amount of your monthly payment and mortgage overpayment. However, it is wise to also monitor the total costs (APR). After the expiration of the fixation, you can change the conditions at the current bank for free or refinance the mortgage and transfer it to another bank.
Impact of other parameters on the mortgage price
- Contractual conditions and service: With a minimal difference in rates, the decisive factor is the bank's flexibility and the quality of subsequent service.
- Options during fixation: Some banks allow interest rate reductions within retention programs without the need for refinancing. Others allow you to fix a more favorable rate in advance.
- Individual approach: Banks' approach to mortgage exceptions varies depending on their current business strategy and market conditions.
A comprehensive view of the contract and the institution's flexibility brings higher savings in the long run than focusing exclusively on the base interest rate. Calculate the total mortgage costs until the end of the first fixed period.
Proper fixation can save you money.
Mortgage amount and LTV Limits
Hypokalkulačka.sk instantly calculates the required collateral value needed for loan approval. The calculation takes into account 80% and 90% LTV (Loan To Value) limits. This ratio represents the relationship between the loan amount and the total value of the pledged properties.
Important Note: This value is determined by the bank based on a surveyor's report (appraisal) or an internal valuation, not the purchase price. A single property or a combination of multiple properties (e.g., existing and newly purchased) can serve as collateral.
Which property types are accepted?
Banks primarily accept residential properties intended for year-round living, such as apartments, selected holiday flats, family houses, and land plots designated for residential construction.
Key considerations:
- Higher LTV = Fewer Options: Financing above 80% LTV typically reduces your choice of lenders and leads to higher interest rates.
- Legal Status: Before applying, it is crucial to verify liens, encumbrances, and legal access roads.
We provide access to certified surveyors accepted by all major banks and can also arrange for an internal bank appraisal.
A lower mortgage amount relative to the property value results in more financing options and better terms.
Mortgage amount and LTV Limits
Hypokalkulačka.sk instantly calculates the required collateral value needed for loan approval. The calculation takes into account 80% and 90% LTV (Loan To Value) limits. This ratio represents the relationship between the loan amount and the total value of the pledged properties.
Important Note: This value is determined by the bank based on a surveyor's report (appraisal) or an internal valuation, not the purchase price. A single property or a combination of multiple properties (e.g., existing and newly purchased) can serve as collateral.
Which property types are accepted?
Banks primarily accept residential properties intended for year-round living, such as apartments, selected holiday flats, family houses, and land plots designated for residential construction.
Key considerations:
- Higher LTV = Fewer Options: Financing above 80% LTV typically reduces your choice of lenders and leads to higher interest rates.
- Legal Status: Before applying, it is crucial to verify liens, encumbrances, and legal access roads.
We provide access to certified surveyors accepted by all major banks and can also arrange for an internal bank appraisal.
A lower mortgage amount relative to the property value results in more financing options and better terms.
Save your time and money.
We’ll arrange your mortgage.
Quickly, professionally, and transparently.
Reasons to arrange your mortgage with us
In addition to immediate calculations that do not require your contact details, you can contact us at any time. The law protects you, and financial agents are ready to provide you with the available mortgage financing options.
Fair terms and the right of withdrawal
Statutory protection safeguards you as a consumer even after signing the documents, giving you the freedom to make your own decisions:
- Financial intermediation: You can withdraw from our mortgage services free of charge at any time before signing the financial service agreement.
- Loans: You have the right to withdraw from a loan agreement with the bank within 14 calendar days of its conclusion.
- Insurance: You can withdraw from a non-life insurance policy within 14 days of its conclusion; for life insurance, the withdrawal period is 30 days from the conclusion of the agreement.
We inform you transparently about your rights, so you can be confident that using our services carries no risk for you.
Transparency is key for you.
Professional experience since 2006
We successfully handle complex cases that require expertise and a thorough understanding of mortgage processes.
Two Decades of Experience
Thanks to our banking background and two decades of experience, we know the details of financial products and the internal procedures of financial institutions. We have information about exceptions and options that may not be commonly available.
Our long-standing relationships with financial institutions allow us to arrange a mortgage even in non-standard situations. The experience of our financial agents is also used by estate agents from other agencies and developers, for their own clients, to complete property deals.
Practical experience brings solutions.
Everything in one place
We work with all our partners to get you better financing and insurance terms.
Finportal and our partner network
Our partners include Finportal a.s., which brings together all financial companies on the Slovak market that cooperate with registered financial agents. We have direct online access to their systems and specialist calculators, allowing us to compare financial product offers in real time.
We also work with developers, estate agencies and estate agents. Thanks to all our partners, we can offer you a wide range of options.
More options mean better terms.
Free financial services
We provide financial intermediation professionally and free of charge, in accordance with Act No. 186/2009 Coll.
Free and paid services
Licensed financial agents take on the expert and administrative burden for you. As part of our services, we provide:
- Market research: Analysis and preparation of tailor-made mortgage offers based on your needs and options.
- Continuous optimisation: Even while the approval process is under way, we actively look for and negotiate better terms on your behalf.
- Complete process: From preparing the mortgage application through to the paperwork involved in land registry recording and drawdown.
- Documentation review: Professional review of the contractual documentation you sign with developers or estate agencies.
- Legal certainty: Early warning of any discrepancies, reducing the risk of mortgage rejection, loss of the reservation fee or other funds.
- Insurance: The option to arrange property insurance, or other types of insurance, all in one place.
- Zero cost to you: You do not pay for these financial intermediation services, they are covered by the financial institutions.
You can also use the paid estate agency services of our company, AGENT.SK, which speed up the search for or sale of a property through the efficient matching of listings with active demand from verified buyers.
Comprehensive services save you time.
Our client centric approach
We build the quality of services on expertise and transparency, not on aggressive marketing.
Client satisfaction and references
In the financial intermediation sector, there is a general rule that when a loan is repaid early, agents return all or part of their commission to the bank that provided it. This fact strongly motivates us to negotiate genuinely favourable and sustainable terms for you.
We want you to feel secure, with no reason to leave your bank early, whether you chose it yourself or we helped you choose it. We can also optimise your mortgage terms after drawdown, which some banks now allow. If we find better terms for you during the repayment period, we will gladly present them to you with the aim of reducing your costs.
Our long-term strategy is to build relationships based on the recommendations of satisfied clients. Positive references matter more to us than short-term profit.
We build on satisfaction and recommendations.
Licensed Financial Agents
All mortgage specialists are registered with the National Bank of Slovakia in accordance with Act No. 186/2009 Coll. on financial mediation and financial counseling.
We educate ourselves more than the law requires
Our specialists undergo mandatory annual education and, every four years, successfully pass professional exams supervised by an educational institution under the auspices of the NBS (National Bank of Slovakia).
Beyond our legal obligations, we participate in professional finance and real estate conferences organized by our partners. We also complete individual training focused specifically on banking and insurance products.
Thanks to this continuous development, we can provide you with up-to-date information even in the dynamically changing mortgage market environment. Your security and the professional standard of the services provided are always our top priority.
You can choose a specific mortgage specialist from our list. Alternatively, call or write to us, and we will ensure that an expert directly from your region contacts you.
Expertise is the foundation of your security.
Mortgage & Service FAQ
Make use of our years of experience and ask us anything about mortgage financing. We are happy to advise you, and you can take advantage of our free mortgage services.
Still have questions?
Helping for 20 years