Calculate your repayment Where to get a loan

Consumer loan^TB

Get Consumer loan^TB online and we will reward you for regular repayments. We will reduce your interest rate by 1 % every year.

Arrange it online even without a Tatra bank account

Make selected loan changes online

Reduce your interest by EKO buying or renovating a house

Reduce your interest by ECO buying or renovating a house with a state subsidy

Ensure your ability to repay the loan

Where to apply for the Consumer loan^TB

Get the loan you want quickly and easily. We will lend you up to 30 000 EUR.

Web page

Calculate the repayment and apply for a loan in a few clicks.
Even without a Tatra banka account.

Get it done online

Tatra banka website

Mobile application

Open an account and apply for a loan on your mobile.

Download app

Tatra banka mobile application

DIALOG Live

Leave us your contact and we will call you.

Call me

DIALOG Live

Branches

Arrange a personal meeting at the branch of your choice.

List of branches

Tatra banka branches

Calculate the loan amount and the monthly payment

Our online calculator with advanced options will help you. The more data you enter, the more accurate the loan calculation you will get.

Using the calculator does not commit you to anything or subject you to inquiries to credit registers.

Document

Income data

Select the type of income *

This field is required.

Monthly net income (EUR) *

Enter a numerical value.
Monthly net income must be at least 350 EUR

Spending data

Number of dependent children under 26 years of age *

If you have no children, write the number zero

Monthly loan obligations (EUR) *

If you have no loan obligations, write the number zero

✓ I can log in to Internet banking^TB

*Marked fields are mandatory.

Calculate the loan

Loan offer

Use the maximum loan amount or create an offer according to your own notions.

Maximum loan amount

Monthly payment

0 EUR / mth.

Loan amount

0 EUR

Repayment period

0 mth.

Interest rate -- % p. a.

APR -- %

I want this offer

Own choice

Monthly payment

0 EUR / mth.

Loan amount

amount from 500 to 30 000

EUR

Repayment period

from 12 to 96 months

mth.

Interest rate -- % p. a.

APR -- %

I want this offer

The listed offers are only informative.
For a binding offer, click "I want this offer" and continue to Internet banking^TB.

Loan offer

The online calculator did not find the ideal solution for you :(

To create a tailor-made offer, use our telephone services or visit us in a branch.

Branches

Arrange a personal meeting.

List of branches

DIALOG Live

Leave us your contact and we will call you.

Call me

choose one of the options above

Representative example Consumer loan^TB

For a loan of 10 000 EUR with a fixed interest rate of 6.49 % p. a., by the maturity of the loan with the number of 96 monthly annuity payments and with a one-time loan fee of 200 EUR, the annual percentage rate of costs is 7.39 % with a monthly loan repayment of 134.26 EUR, while the last loan repayment is in the amount of 46,31 EUR. The total amount paid by the client is 13?001.01 EUR, while the interest calculation is based on the actual number of days in individual months and the assumption that the length of the calendar year is 360 days.

If the conditions for applying the benefits of #forblueplanet are met, the paid loan fee of 200 EUR will be refunded and the interest rate will be reduced to 5.99 % p. a., while the above data changes as follows:

The monthly loan payment will be reduced to 131.77 EUR, while the last loan payment will be 52.87 EUR and the annual percentage rate of costs will be reduced to 6.84 %. The total amount paid by the client will be 12 771.02 EUR. Other data do not change.

A representative example of the APR calculation for the Consumer loan^TB with the benefit of an annual interest rate reduction

If the Conditions for applying the benefit are met, the interest rate and repayment will be reduced after the anniversary of each twelfth installment, of which the borrower will be informed in advance. The annual percentage rate of costs will be reduced to 5.08 % and the total amount paid by the client will be 11,984.01 EUR.

Are you interested in refinancing or consolidating your loans from other banks?
See the advantageous conditions and parameters of the Refinancing loan^TB.

Discounted Loan for blue planet^TB

Do you want to get lower interest rate on the Consumer loan^TB?

We will contribute to your loan if you show us that you have used the money from the Consumer loan^TB to buy one of these sustainable products:

Energy modernization of housing

Insulation of the facade and roof of a family house
Energy-saving windows and doors
Recovery
LED lighting
Air condition
Biomass boiler
Smart home solution
Household appliances of energy class A and B (fridge, freezer, washing machine, dishwasher, TV, cooking appliances)

Devices producing energy and heat from renewable sources

Photovoltaic panels, wind turbines
Solar collectors
Heat pump

Ecological transport

Bicycle, electric bicycle, electric scooter, e-scooter
Electric vehicle and plug-in hybrid - light commercial vehicles M1, N1 with low and zero CO2 emissions (i.e. up to 75g CO2/km); new and used
Electric charging stations

Energy certificate for the application for the contribution of the Reconstruction Plan

Funding of the initial costs associated with the application for a contribution under the funding from the Recovery Plan

Energy certificate, or
Project energy assessment

The documents are used to quantify savings in primary energy consumption, while the condition of Call no. 4 is its reduction by 30 %.

Max. the amount of the loan to finance the costs associated with the preparation of the necessary documentation is 1 500 EUR.

What is loan #forblueplanet

A non-purpose loan on which you can claim benefits if you prove to us that you used the borrowed funds to finance ecological products in your home. For example, to install equipment for using renewable energy sources such as solar collectors, photovoltaics, replacing old windows with new ones, buying a heat pump, electric bicycle or electric scooter and many other energy-saving improvements for your home. You have the loan granted within a few minutes, but you have up to 6 months from the time it was granted to send the purchase documents.

How to proceed if I want to get the loan #forblueplanet?

We will reward your ecological intentions

Procedure for obtaining benefits:

1. Draw the Consumer loan^TB.

2. Send us documents proving the purchase of a sustainable product (up to 100 % of the loan amount) no later than 6 months after granting the loan to the e-mail address: [email protected].
Do not forget to include your name and the Consumer loan^TB number in the e-mail.

When funding the documents for the Application for the provision of funds of the Recovery Plan mechanism, send to the above e-mail address, in addition to the name and number of the non-purpose loan, also the unique identifier of the application, which is located on its 1st page.
(Example of what the request identifier might look like: 030064424026).

3. The benefits will be applied to you within 10 days of receiving the required documents, or of receiving the unique identifier of the Application for the provision of funds of the Recovery Plan mechanism after the registration of the application form has been verified by Tatra banka, a.s. on the website www.obnovdom.sk.

What documents need to be sent to apply for benefits?

Electric car or plug-in hybrid:

invoice,
vehicle registration certificate part II (technical license).

Other products or projects:

invoice,
proof of payment (advance payment is also sufficient) - online banking payment screen.

Documents for the Request for Provision of Funds of the Recovery Plan Mechanism (i.e. Energy Certificate or Project Energy Assessment):

the unique "Application Identifier", which is located on the 1st page of the submitted Application for the provision of funds of the Recovery Plan mechanism.

Household Appliances:

invoice,
energy label (photo), which is part of the manual or stuck on the appliance,
screenshot/photo of payment from internet banking (or other proof of payment).

A preferential loan for house renovation with a state contribution from the Slovak Republic's Reconstruction Plan

Are you considering renovating an older house to reduce its energy consumption?
Use the state grant from the OBNOV DOM program, which will help you reimburse part of the renovation costs.

SAŽP is preparing the 6th call for owners of family houses, who will be able to apply for a contribution of up to 19 000 EUR. Follow the exact launch date on the OBNOV DOM website.

You can receive a state allowance:

for the renovation of a family house built before 2013, of which you are the owner or co-owner,
if you achieve energy savings of at least 30 % compared to the state before renewal,
in the amount of 75 % of eligible expenses spent on reconstruction,
only after the reconstruction is completed and the necessary documents have been sent.

You will also be helped with the financing of the renovation of the house with a discounted Consumer loan^TB for up to 28 000 EUR. If you submit a concluded contract on the provision of state contribution when applying for a loan (i.e. the Contract on the Provision of Funds to the Mechanism to Support Recovery and Resilience), you will additionally receive:

maturity period up to 120 months,
rate of 5.99 % p. a. for the entire maturity of the loan,
100 % discount on the loan fee.

Contact me

See how house renovation works and its financing through a combination of the Consumer loan^TB and a state grant from the Restoration Plan.

How will we contribute?

we will lower your interest rate down to 5.99 % p. a.
you get back 100 % of the loan fee you paid

Read the detailed terms in the Public pledge (available in Slovak).

Terms of acquisition and loan parameters

You have the opportunity to get the Consumer loan^TB:

in an amount from 500 to 30 000 EUR,
for the period from 12 to 96 months,
with a fixed interest rate from 6.49 % p. a. (representative example),
with a fee of 2 % of the loan amount, up to 300 EUR,
without co-borrower and guarantor.

Terms

age from 18 to 65 years
regular income (we can verify most incomes automatically and without documentation)
identity document

Check out our guide to a consumer loan so you know what to expect.

You can use the consumer loan for anything

Frequently asked questions

May I use the Consumer loan^TB for anything?

Yes, the bank will not investigate the aim of the funds use, therefore the Consumer loan^TB may be used for anything – a car, holiday, house or apartment refurbishment, weekend cottage, new computer, phone or games console.

What types of income does the bank accept?

For the purposes of providing the Consumer loan^TB, we accept income as standard:

employee - is assessed retrospectively for the last 12 months (including regular bonuses, 13th and 14th salary), respectively for a shorter period, but at least for 3 months,
employee abroad - minimum employment period of 6 months,
parental allowance – received exclusively from the territory of the Slovak Republic,
care allowance - if it is the income of a natural person who cares for a person / child dependent on full-time, personal and regular care, and it must not be the only source of income
pensions - old-age, widow's, invalid and long-service pensions,
natural person entrepreneur - at least one completed tax period,
legal entity - minimum business duration of 24 months,
the minimum amount of income of all persons entering into a credit relationship flowing from the territory of the Slovak Republic = 500 EUR.

For information on rental income, contract income, seasonal work, etc. contacts DIALOG Live (*1100), from abroad use the number +421 2/5919 1100.

Print the necessary receipt forms (available in Slovak).

Where can I find loan documents awaiting signature in the mobile application/internet banking?

Documents awaiting signature can be found in the Tatra banka mobile application in the Other options -> Messages and documents section and in Internet banking^TB in the Documents -> Message box -> Documents section.

I'm interested in a loan, but I don't know/forgot my PID. How should I log in to Internet banking?

If you can't log in to Internet banking^TB because you don't remember the PID or password, click on the "Need PID or password" link in the login screen.
Next, via "Forgot your PID?", you can view the PID, where you need to fill in the e-mail address and phone number that you have defined in the PID profile.

The PID can always be found in the Contract Documentation - the contract name is "Confirmation of Client Details" and "IAAP Agreement".

May I repay the loan early and for what charge?

The loan can be repaid early at any time. If the amount of the remaining principal is up to 10 000 EUR, early repayment is free of charge.

According to the Consumer Credit Act, the cost of early repayment must not exceed 1 % of the early repayment loan amount for the amount of the remaining principal above 10 000 EUR.

You can make extraordinary installments in the branch or via DIALOG Live.

If the loan was granted with the benefit of the First installment forgiven/1. installment is on us and you request its partial or full early repayment, within the first 24 months from the granting of the loan, you are also obliged to pay the forgiven first installment.

How can I get a reward for proper repayment?

You can find the full conditions in the Public promise (available in Slovak).

Do you need help with your loan?

Get a loan offer without visiting branches. Leave us your phone number.

Consumer loanTB

Where to apply for the Consumer loanTB

Web page

Mobile application

DIALOG Live

Branches

Calculate the loan amount and the monthly payment

Representative example:

A representative example of the APR calculation for the Consumer loanTB with the benefit of an annual interest rate reduction

Discounted Loan for blue planetTB

Procedure for obtaining benefits:

A preferential loan for house renovation with a state contribution from the Slovak Republic's Reconstruction Plan

How will we contribute?

Terms of acquisition and loan parameters

Frequently asked questions

For the purposes of providing the Consumer loanTB, we accept income as standard:

Do you need help with your loan?

Consumer loan^TB

Where to apply for the Consumer loan^TB

A representative example of the APR calculation for the Consumer loan^TB with the benefit of an annual interest rate reduction

Discounted Loan for blue planet^TB

For the purposes of providing the Consumer loan^TB, we accept income as standard: