Simple and quick
mortgage
With an interest rate starting from 4.09% per year
Your own home? It can be easier than you think
Our mortgage specialists will help you find the best solution.
Interest rate
from 4.09% per year with insurance
Approval even
in 24 hours
Up to 90%
of the property value
Your own home? It can be easier than you think
Our mortgage specialists will help you find the best solution.
Interest rate
from 4.09% per year with insurance
Approval even
in 24 hours
Up to 90%
of the property value
You may need as little as 10% of your own funds for a new home
Mortgage for young applicants now from 3.99% p.a.
With loan and property insurance
What do we offer?
- Financing of up to 90% of the property value
- Interest rate from 3.99% p.a. %5Binfo label=You can benefit from a lower interest rate through the Favourable sum – Better interest rates programme. Receive a 0.5% p.a. discount for repaying your loan through our bank, provided your account is not overdrawn without authorization, and an additional 0.2% p.a. discount if you have Loan Insurance.%5DYou can benefit from a lower interest rate through the Favourable sum – Better interest rates programme. Receive a 0.5% p.a. discount for repaying your loan through our bank, provided your account is not overdrawn without authorization, and an additional 0.2% p.a. discount if you have Loan Insurance.%5B/info%5D with a 3-year fixed-rate period
How to proceed?
You can apply for the loan from October 5, 2026.
Take out loan insurance and DOMOV property insurance with us.
At least one of the applicants must be 35 years of age or younger.
The actual interest rate depends on an overall assessment of the client’s creditworthiness and the collateral provided. The bank reserves the right to unilaterally terminate, suspend or amend the promotion. Each change is effective immediately upon its publication.
- For a house, apartment, or land
- For mortgages up to 70% of the value of the pledged property, you don’t need to document the purpose of the loan
- You complete it in George, and sign it at a branch
- In George, you can also take care of the following for free with just a few clicks:
- early partial repayment (extra repayment)*
- change of installment due date
- selected loan confirmations (downloaded directly in the app)
* Extra repayments once a month, at least €50 and at most three times the monthly installment
Discount for the energy certificate
Submit the energy certificate of your house or apartment when applying for a mortgage and get a 50% discount on the arrangement fee.*
New builds with extra benefits
Choose from a selection of new-build properties financed by Slovenská sporiteľňa, and you won’t pay the mortgage arrangement fee or the property valuation fee.*
* For loan purposes: purchase or reconstruction of a house/apartment.
Mortgage assistance program
Slovenská sporiteľňa will provide contribution to the increased repayment of the housing loan in accordance with the Housing Loans Act.
How to do it? Easily
- Submit your application
We can meet at a branch, have a call, or you can simply complete your mortgage application online in the desktop version of George. You’ll need, for example, an identity document, proof of income, documents related to the loan purpose, and a property valuation.
- Sign the contracts and handle the land registry
We usually inform you about the result of your application within 2 days. After approval, you will sign the loan agreement and the pledge agreement. You then submit the pledge agreements and the application for registration of the bank’s lien at the real estate cadastre.
- Your mortgage is ready 🎉
Once all conditions are met, you can start drawing your mortgage.
How can you arrange a mortgage?
The fastest way is through George (for existing clients), or by phone or in person at any of our branches (for clients as well as non‑clients).