Mortgages at Slovenská sporiteľňa

Slovenská sporiteľňa currently offers a promotional loan provision fee of only €400 for everyone. If an energy performance certificate rated A0 or A1 is submitted for the property financed by the loan, the bank will provide a 50% discount on the loan provision fee. It also offers to arrange an expert appraisal of the property in the client's name and at the client's expense.

Under the Combined Benefit programme, Slovenská sporiteľňa offers a reduction in interest rates:

• 0.50%, if you hold an account with Slovenská sporiteľňa from which you will repay the housing loan, provided the account is not in unauthorised overdraft;
• 0.20% for insurance taken out for the entire term of the loan.

The discounts can be obtained individually or combined at 0.70%, if both conditions are met at the time the loan agreement is signed.

If the client does not use the Combined Benefit programme, they will receive the standard (higher) interest rates:

• 1-year fixed rate from 4.89% p.a.
• 3-year fixed rate from 4.69% p.a.
• 5-year fixed rate from 4.89% p.a.
• 10-year fixed rate from 5,39% p.a.
• 15-year fixed rate from 5,69% p.a.

For mortgages up to 70% LTV, there is no need to document the purpose of the use of the funds.

Slovenská sporiteľňa currently offers a 100% discount on the mortgage processing and provision fee. It also offers to arrange an expert appraisal of the property in the client's name and at the client's expense.

Under the Combined Benefit programme, Slovenská sporiteľňa offers a reduction in interest rates:

• 0.50%, if you hold an account with Slovenská sporiteľňa from which you will repay the mortgage, provided the account is not in unauthorised overdraft;
• 0.20% for insurance on the mortgage for its entire term; the discounts can be obtained individually or combined at
• 0.70%, if both conditions are met at the time the loan agreement is signed.

If the client does not use the Combined Benefit programme, they will receive the standard (higher) interest rates:

• 1-year fixed rate od 4,89 % p. a.
• 3-year fixed rate od 4,69 % p. a.
• 5-year fixed rate od 4,89 % p. a.
• 10-year fixed rate od 5,39 % p. a.
• 15-year fixed rate od 5,69 % p. a.

For mortgages up to 70% LTV, there is no need to document the purpose of the use of the funds.

Slovenská sporiteľňa currently offers a promotional loan provision fee of only €400 for everyone. If an energy performance certificate rated A0 or A1 is submitted for the property financed by the loan, the bank will provide a 50% discount on the loan provision fee. It also offers to arrange an expert appraisal of the property in the client's name and at the client's expense.

Under the Combined Benefit programme, Slovenská sporiteľňa offers a reduction in interest rates:

• 0.50% if you hold an account with Slovenská sporiteľňa from which you will repay the housing loan, provided the account is not in unauthorised overdraft;
• 0.20% for insurance taken out on the loan for the entire term of the loan relationship.

The discounts can be obtained individually or combined at 0.70%, if both conditions are met at the time the loan agreement is signed.

If the client does not use the Combined Benefit programme, they will receive the standard (higher) interest rates:

• 1-year fixed rate from 4.89% p.a.
• 3-year fixed rate from 4.69% p.a.
• 5-year fixed rate from 4.89% p.a.
• 10-year fixed rate from 5.39% p.a.
• 15-year fixed rate from 5.69% p.a.