Hypoúver Invest

Mortgage loan from 0.49 % p.a.

  • No commitment fee

  • No proof of income


I need to refinance

I wish to refinance the balance of my mortgage loan amounting to EUR.
I would like to know how my current monthly instalment of EUR, will change if I transfer the mortgage loan to UniCredit Bank for with a year fixation .

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Why pay rent and still own nothing? Buy your own property and we will help you fix your instalments so that they are not an unnecessary burden for you.

  • Low interest rates
  • Now without any fee
  • No need to document your income
  • Acceptance of original price estimate of the real estate
  • Payment protection insurance with possibility to choose insurance risk
  • Minimum amount of the loan of EUR 3,300 and a maximum of 90 % of the pledged property’s value.  For loans over 80 % of the pledged property’s value, there is a limit that the Bank can only provide such loans at 35 % of all loans provided by the Bank in a calendar quarter.
  • We will extend a loan to you of up to 90 per cent of the property’s value accepted by the bank (flat or house)
  • Instalments may be broken down to as many as 30 years
  • Attractive interesting rates
  • We will extend a loan to you of up to 100 per cent of the property’s value accepted by the bank 

How will I secure the mortgage?

  • You can secure your mortgage with the property you are to purchase or with another property in the Slovak Republic
  • If you are buying a cooperative flat, you have to secure your mortgage with property in personal ownership

How will I draw down the mortgage?

  • You can draw down your mortgage within 6 months from the signature of the loan agreement

How will I repay the mortgage?

  • You can repay your mortgage over as many as 30 years
  • During the drawdown period, you pay only the interest on the amount drawn and start repaying regular annuity instalments in the month following the drawdown of the mortgage

What else can you choose?

  • The possibility of combining purpose-specific and general-purpose funds in a 60:40 proportion provided the entire loan is provided for up to 80% of the collateral’s value accepted by the bank

Representative example for a mortgage loan with repayment insurance:

The interest rates indicated in % per annum (p.a.) consider a 0.30% discount p.a. for the repayment insurance and a 0.50% discount p.a. for monthly crediting a 1.5 times the loan payment to the U Account.

The total loan amount is EUR 60,000 with repayment period of 30 years and interest rate fixed for 3 years in amount of 0.49 % p. a.*  The monthly payment amount is €179.25, number of monthly payments is 361, whereof the first will only be the interest payment in amount of maximum €24.50, monthly loan granting fee is €0, monthly fee for U account administration in the event of failure to fulfil the conditions for free administration is €8**, monthly fee for repayment insurance is €18. Fee for the registration of the pledge right over the real estate in the land registry is €66.
Total amount to repay is €74 006,73. The total amount is excluding the fee for real estate insurance. 

* The interest rate applies for the loan up to 80% of the loan security, if the client meets the conditions for opening the insurance of the ability to repay loan, contracts the insurance of the ability to repay loan, will have regularly at least 1.5 times the current loan instalment credited to the U-Account. In the aforementioned case, we will pay the client's cost of property valuation - a flat up to €150, family house up to €210.
** Monthly fee for keeping the U-Account is EUR 0 if the client will have their income in amount of at least €400 credited to this account.


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