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at Slovenská sporiteľňa","SLSP","Mortgage without barriers","from €7,000","5 - 30 years","The overpayment is free of charge once a month, as required by law, provided the total amount of overpayments does not exceed 30% of the loan amount within the calendar year. An overpayment made once a month via George is also free of charge, with a minimum of €50, up to a maximum of three times the monthly instalment.","On the anniversary of the interest rate fixation, free of charge. Outside the fixation anniversary, the actual costs directly related to the early repayment request, up to a maximum of 1% of the amount repaid early.","\u003Cp>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 \u003Cstrong>at the client's expense\u003C\u002Fstrong>.\u003C\u002Fp>\n\u003Cp>Under the Combined Benefit programme, Slovenská sporiteľňa offers a reduction in interest rates:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>\u003Cstrong>0.50%\u003C\u002Fstrong>, if you hold an account with Slovenská sporiteľňa from which you will repay the housing loan, provided the account is not in unauthorised overdraft;\u003C\u002Fli>\n\u003Cli>\u003Cstrong>0.20%\u003C\u002Fstrong> for insurance taken out for the entire term of the loan.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>The discounts can be obtained individually or combined at 0.70%, if both conditions are met at the time the loan agreement is signed.\u003C\u002Fp>\n\u003Cp>If the client does not use the Combined Benefit programme, they will receive the standard (higher) interest rates:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>\u003Cstrong>1-year fixed rate \u003C\u002Fstrong>from \u003Cstrong>4.89%\u003C\u002Fstrong> p.a.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>3-\u003C\u002Fstrong>\u003Cstrong>year fixed rate \u003C\u002Fstrong>from \u003Cstrong>4.69% \u003C\u002Fstrong>p.a.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>5-\u003C\u002Fstrong>\u003Cstrong>year fixed rate \u003C\u002Fstrong>from \u003Cstrong>4.89% \u003C\u002Fstrong>p.a.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>10-\u003C\u002Fstrong>\u003Cstrong>year fixed rate \u003C\u002Fstrong>from\u003Cstrong> 5,39% \u003C\u002Fstrong>p.a.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>15-\u003C\u002Fstrong>\u003Cstrong>year fixed rate \u003C\u002Fstrong>from \u003Cstrong>5,69% \u003C\u002Fstrong>p.a.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>For mortgages up to 70% LTV, there is no need to document the purpose of the use of the funds.\u003C\u002Fp>","Current terms valid from 1 July 2026","Mortgage refinancing","from € 7,000","100% discount on the loan provision fee.","\u003Cp>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 \u003Cstrong>at the client's expense\u003C\u002Fstrong>.\u003C\u002Fp>\n\u003Cp>Under the Combined Benefit programme, Slovenská sporiteľňa offers a reduction in interest rates:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>\u003Cstrong>0.50%\u003C\u002Fstrong>, if you hold an account with Slovenská sporiteľňa from which you will repay the mortgage, provided the account is not in unauthorised overdraft;\u003C\u002Fli>\n\u003Cli>\u003Cstrong>0.20%\u003C\u002Fstrong> for insurance on the mortgage for its entire term; the discounts can be obtained individually or combined at\u003C\u002Fli>\n\u003Cli>\u003Cstrong>0.70%\u003C\u002Fstrong>, \u003Cspan style=\"font-size: 0.875rem;\">if both conditions are met at the time the loan agreement is signed. \u003C\u002Fspan>\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>\u003Cspan style=\"font-size: 0.875rem;\">If the client does not use the Combined Benefit programme, they will receive the standard (higher) interest rates:\u003C\u002Fspan>\u003C\u002Fp>\n\u003Cul>\n\u003Cli>\u003Cstrong>1-year fixed rate\u003C\u002Fstrong> od \u003Cstrong>4,89 %\u003C\u002Fstrong> p. a.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>3-year fixed rate\u003C\u002Fstrong> od \u003Cstrong>4,69 % \u003C\u002Fstrong>p. a.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>5-year fixed rate \u003C\u002Fstrong>od \u003Cstrong>4,89 % \u003C\u002Fstrong>p. a.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>10-year fixed rate\u003C\u002Fstrong> od\u003Cstrong> 5,39 % \u003C\u002Fstrong>p. a.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>15-year fixed rate\u003C\u002Fstrong> od \u003Cstrong>5,69 % \u003C\u002Fstrong>p. a.\u003C\u002Fli>\n\u003C\u002Ful>","Úver na bývanie - cosolidation","from 7 000 €","100 % discount on the mortgage providing fee.","Non-purpose mortgage","€200 - €400.","\u003Cp>For mortgages up to 70% LTV, there is no need to document the purpose of the use of the funds.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Slovenská sporiteľňa \u003C\u002Fstrong>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 \u003Cstrong>at the client's expense\u003C\u002Fstrong>.\u003C\u002Fp>\n\u003Cp>Under the \u003Cstrong>Combined Benefit \u003C\u002Fstrong>programme, Slovenská sporiteľňa offers a reduction in interest rates:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>\u003Cstrong>0.50%\u003C\u002Fstrong> if you hold an account with Slovenská sporiteľňa from which you will repay the housing loan, provided the account is not in unauthorised overdraft;\u003C\u002Fli>\n\u003Cli>\u003Cstrong>0.20%\u003C\u002Fstrong> for insurance taken out on the loan for the entire term of the loan relationship.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>The discounts can be obtained individually or combined at 0.70%, if both conditions are met at the time the loan agreement is signed.\u003Cbr>\u003Cbr>If the client does not use the \u003Cstrong>Combined Benefit\u003C\u002Fstrong> programme, they will receive the standard (\u003Cstrong>higher\u003C\u002Fstrong>) interest rates:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>\u003Cstrong>1-year fixed rate\u003C\u002Fstrong> from \u003Cstrong>4.89% \u003C\u002Fstrong>p.a.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>3-year fixed rate\u003C\u002Fstrong> from \u003Cstrong>4.69% \u003C\u002Fstrong>p.a.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>5-year fixed rate\u003C\u002Fstrong> from \u003Cstrong>4.89% \u003C\u002Fstrong>p.a.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>10-year fixed rate\u003C\u002Fstrong> from\u003Cstrong> 5.39% \u003C\u002Fstrong>p.a.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>15-year fixed rate\u003C\u002Fstrong> from \u003Cstrong>5.69% \u003C\u002Fstrong>p.a.\u003C\u002Fli>\n\u003C\u002Ful>","Partners since",{"title":1742,"meta_description":1743},"Mortgages at SLSP: rates, fees & financial agents","Slovenská sporitelňa: Current terms, discounts, and benefits for loan products. We arrange your mortgage transparently. Our services are paid by the bank.","200 - 400 €","200 - 400 € 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v Slovenskej sporiteľni","Úver na bývanie","od 7 000 €","5 - 30 rokov","Mimoriadna splátka je bez poplatku raz mesačne zo zákona tak, aby celkový objem mimoriadnych splátok nepresiahol 30 % výšky úveru počas kalendárneho roka. Taktiež je bez poplatku aj realizovanie mimoriadnej splátky raz mesačne cez Georgea, najmenej vo výške 50 EUR, avšak maximálne trojnásobok mesačnej splátky.","Pri výročí fixácie úrokovej sadzby, bez poplatku. Mimo výročia fixácie, skutočné náklady priamo súvisiace so žiadosťou o predčasné splatenie, max. 1 % z predčasne splatenej sumy.","\u003Cp>Slovenská sporiteľňa v súčasnosti poskytuje akciový poplatok za poskytnutie úveru vo výške len 400 € pre každého. Ak je predložený energetický certifikát s hodnotením A0 alebo A1 pre nehnuteľnosť financovanú z úveru, banka poskytne 50 % zľavu z poplatku za poskytnutie úveru. Ponúka aj objednanie znaleckého posudku k nehnuteľnosti v mene a \u003Cstrong>na náklady klienta\u003C\u002Fstrong>.\u003C\u002Fp>\n\u003Cp>V rámci programu Výhodný súčet Slovenská sporiteľňa ponúka zníženie úrokových sadzieb:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>\u003Cstrong>o 0,50 %,\u003C\u002Fstrong> ak máte vedený v SLSP účet, z ktorého budete úver na bývanie splácať a tento účet nie je v nepovolenom prečerpaní;\u003C\u002Fli>\n\u003Cli>\u003Cstrong>o 0,20 %\u003C\u002Fstrong> za poistenie k úveru na celú dobu trvania úverového vzťahu.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Zvýhodnenia možno získať jednotlivo alebo vo výške 0,70 %, ak budú v čase uzatvorenia úverovej zmluvy splnené obidve podmienky.\u003Cbr>\u003Cbr>Ak klient program \u003Cstrong>Výhodný súčet\u003C\u002Fstrong> nevyužije, získa štandardné (\u003Cstrong>zvýšené\u003C\u002Fstrong>) úrokové sadzby:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>\u003Cstrong>1-ročná fixáci\u003C\u002Fstrong>a od \u003Cstrong>4,89 %\u003C\u002Fstrong> p. a.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>3-ročná fixácia\u003C\u002Fstrong> od \u003Cstrong>4,69 % \u003C\u002Fstrong>p. a.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>5-ročná fixácia \u003C\u002Fstrong>od \u003Cstrong>4,89 % \u003C\u002Fstrong>p. a.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>10-ročná fixácia\u003C\u002Fstrong> od\u003Cstrong> 5,39 % \u003C\u002Fstrong>p. a.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>15-ročná fixácia\u003C\u002Fstrong> od \u003Cstrong>5,69 % \u003C\u002Fstrong>p. a.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Na hypotéke do 70 % LTV nie je potrebné dokladovať účel použitia finančných prostriedkov.\u003C\u002Fp>","Aktuálne podmienky platné od 1. júla 2026","Hypotéka na refinancovanie","100 % zľava z poplatku za poskytnutie úveru.","\u003Cp>Slovenská sporiteľňa v súčasnosti poskytuje 100 % zľavu z poplatku za spracovanie a poskytnutie hypotéky. Zabezpečí objednanie a vyhotovenie znaleckého posudku k nehnuteľnosti \u003Cstrong>na náklady klienta\u003C\u002Fstrong>.\u003C\u002Fp>\n\u003Cp>V rámci programu Výhodný súčet Slovenská sporiteľňa ponúka zníženie úrokových sadzieb:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>\u003Cstrong>o 0,50 %\u003C\u002Fstrong>, ak máte v Slovenskej sporiteľni vedený účet, z ktorého budete splácať hypotéku, a tento účet nie je v nepovolenom prečerpaní;\u003C\u002Fli>\n\u003Cli>\u003Cstrong>o 0,20 %\u003C\u002Fstrong> za poistenie hypotéky na celú dobu jej trvania; zvýhodnenia možno získať jednotlivo alebo spolu vo výške\u003C\u002Fli>\n\u003Cli>\u003Cstrong>0,70 %\u003C\u002Fstrong>, ak budú v čase uzatvorenia úverovej zmluvy splnené obidve podmienky.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Ak klient program Výhodný súčet nevyužije, získa štandardné (zvýšené) úrokové sadzby:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>\u003Cstrong>1-ročná fixácia\u003C\u002Fstrong> od \u003Cstrong>4,89 % \u003C\u002Fstrong>p. a.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>3-ročná fixácia \u003C\u002Fstrong>od\u003Cstrong> 4,69 % \u003C\u002Fstrong>p. a.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>5-ročná fixácia\u003C\u002Fstrong> od \u003Cstrong>4,89 % \u003C\u002Fstrong>p. a.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>10-ročná fixácia \u003C\u002Fstrong>od \u003Cstrong>5,39 % \u003C\u002Fstrong>p. a.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>15-ročná fixácia\u003C\u002Fstrong> od \u003Cstrong>5,69 % \u003C\u002Fstrong>p. a.\u003C\u002Fli>\n\u003C\u002Ful>","Bezúčelová hypotéka","\u003Cp>Na hypotéke do 70 % LTV nie je potrebné dokladovať účel použitia finančných prostriedkov.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Slovenská sporiteľňa \u003C\u002Fstrong>v súčasnosti poskytuje akciovú výšku poplatku za poskytnutie úveru len 400 € pre každého. V prípade, ak je predložený energetický certifikát nehnuteľnosti financovanej z úveru typu A0 alebo A1, banka poskytne 50 % zľavu z poplatku za poskytnutie úveru. 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