Mortgages at ČSOB Bank
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Purpose mortgage
Current terms valid from 4 August 2026
ČSOB offers interest rates:
- 1-year fixed rate from 4.69% p.a.
- 3-year fixed rate from 3.70% p.a.
- 4-year fixed rate from 3.95% p.a.
- 5-year fixed rate from 4.00% p.a.
- 10-year fixed rate from 4.60% p.a.
- 15-year fixed rate from 4.79% p.a.
- 20-year fixed rate from 4.89% p.a.
It also offers unique campaign benefits:
- "Refund of 1 to 4 instalments + DOMOS Kompakt": a unique campaign benefit when refinancing a mortgage to ČSOB, offering the chance to receive a benefit of up to €2,000.
- "Energy certificate reward": a valid energy performance certificate for the mortgaged property, rated B or better, must be submitted. This benefit offers a fixed reward of €100.
- 100% discount on the loan processing fee, applicable to mortgages whose main purpose is to repay a previously granted housing loan from another financial institution.
Another benefit is handling the land registry process, namely submitting the application to register the mortgage charge with the relevant land registry on the client's behalf.
ČSOB offers clients the option to make overpayments free of charge via the SmartBanking app once every 31 days, from €50 up to 1.5% of the remaining loan principal.
A unique mortgage for a specified property is available only at ČSOB.
Basic mortgage parameters
Financial institution
ČSOB
Product name
Purpose mortgage
Mortgage amount
from €4,500
Maximum LTV
90 %
Interest rate fixation
3.70 % p.a.
Mortgage maturity period
3-30 years
Provision of mortgage
0 - €300
Extraordinary installment
Each calendar year, up to 30% of the housing loan principal can be repaid free of charge. The mobile app also allows free overpayments once every 31 days, up to 1.5% of the remaining principal, and calculates the actual savings.
Early repayment
ČSOB's actual costs directly related to the early repayment request, and costs incurred in connection with the early repayment, however up to a maximum of 1% of the principal repaid early.
If the loan or part of it is repaid on the date the interest rate changes due to the end of the fixed-rate period, it is free of charge.
Change of contract terms
180 €
Change of security (property)
180 €
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.