How much mortgage can I get
Maximum housing loan under the limits set by the National Bank of Slovakia, plus your monthly repayment.
Enter your income and find out how much a bank will lend you under the NBS rules.
Not sure what your net income is? Work it out from your gross salary
What would get you more
Every figure is a real recalculation — the calculator runs again with that one change and compares the result.
Only options that would genuinely help are shown. If something is missing from the list, it makes no difference in your situation.
Three ceilings, the strictest one applies
The bank has to satisfy all three at once, so you get as much as the lowest of them allows.
All your debts together cannot exceed eight times your annual net income. Above forty that multiple falls if you would still be repaying in retirement.
The bank deducts €295.22 from your income to live on, and at most 60 % of what remains can go to repayments. That gives you €542.87 a month — and it also checks you could cope if the rate rose to 5.69%.
This is what holds you back — the other two are higher.
A bank never lends the whole price — at most 80% of it. The rest has to come from your own funds.
Repayment at each bank
Monthly repayment on €93,636 over 30 years, using each bank’s lowest advertised rate. Those depend on creditworthiness, a lower LTV and usually a bundle of further products — an actual offer tends to be higher.
| Bank | Lowest rate | Monthly repayment | |
|---|---|---|---|
| Slovenská sporiteľňa | 3.39% | €414.74 | |
| Prima banka | 3.40% | €415.26 | |
| 365.bank | 3.55% | €423.08 | |
| ČSOB | 3.60% | €425.71 | |
| mBank | 3.69% | €430.46 | |
| Tatra banka | 3.69% | €430.46 | |
| VÚB banka | 3.79% | €435.77 | |
| UniCredit Bank | 3.79% | €435.77 | |
| Fio banka | 3.88% | €440.58 |
Rates change and this is not an offer. Always verify them with the bank or a broker. You can compare rates independently at HypoSadzby.sk.
What the mortgage costs you in total
Based on the maximum loan at the rate you entered, repaid evenly over the whole term.
How the bank works it out
A bank cannot lend more than three limits set by the National Bank of Slovakia allow at once. DTI caps total debt at a multiple of annual net income, DSTI makes sure enough is left to live on after repayments, and LTV sets what share of the property price the loan may cover. Whichever comes out lowest applies.
Who this calculation does not apply to
- The calculator applies the regulatory limits. A bank also assesses creditworthiness, repayment history, the type of income and the property value through its own valuer — its offer may be lower.
- Banks may grant an exception for a limited number of loans and lend more. That is at the bank’s discretion; there is no entitlement to it.
- Income is treated as stable and documented. For sole traders, foreign income or short employment history banks calculate differently.
- The calculation excludes fees, property insurance and life insurance that a bank may require.
Not sure of your net income? Work it out from your gross salary →