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Fio Mortgage

Are you looking for a larger flat or family home, or are you looking for an improvement, to invest in the future for your children or to finally get out and live by yourself? There are many reasons to take advantage of a Fio Mortgage. Convince yourself of all the things we can help you with.

Mortgages provide EU citizens or EFTA, who have the SR permanent or temporary residence, and their income is generated in the Slovak Republic. Temporary residence shall be at least one year. A citizen of another country must have a permanent residence in Slovakia for a minimum period of 1 year and his income must be generated in the SR.

Why a Fio Mortgage?

  • No fees for loan origination, current and loan account administration, reserving funds or for drawing funds
  • Discount of 0,4 % applies to refinancing mortgages up to 80 % loan-to-value with incident free customer´s credit history
  • Discount of 0.3 % interest rate to purchase real estate (mortgage to 80 % loan-to-value with incident free customer´s credit history)
  • Discount 0.1 % of the interest rates when the loan over 37 500 EUR
  • You also can select additional services with a mortgage including free early payments or the Mortgage Savings Account.
  • You can check current interest rates here.


Mortgage amount from 37 500 EUR to 37 500 EUR
Refinancing 1,48 % 1,58 %
Purchase 1,58 % 1,68 %
Other 1,88 % 1,98 %

Guaranteed rates are valid for loans up to 80 % of the value of the property and assuming all conditions for discounts are fulfilled. Rates with less than 5 year fixation can be found out throug our Mortgage calculator.


Mortgage calculator


American mortgage

Would you like to borrow money and you own the property that you could use as collateral? If so, take advantage of American mortgage. The borrowed money can be used for any purpose, such as reconstruction or purchase of a new car.

If you are interested in American mortgage, please, contact any of our mortgage specialists.

Product description and parameters

  • Financed real estate: a flat, family home, recreation building, studio, apartment building with up to 3 units and building lots intended for residential construction.
  • Loan limits: 10 000 - 400 000 EUR
  • Maximum loan amount: 85 % of the total value of the real estate.
  • Term: 5 - 30 years
  • Fixed interest rate term 1, 2, 3, 4 and 5 years.
  • Up to 3 debtors (in addition to loan applicant).


  1. To buy finished or under construction real estate (purchase price, auction fee, price difference in an exchange).
  2. To settle co-ownership (including on behalf of a spouse) of real estate.
  3. To refinance a mortgage provided by another financial institution.
  4. To pay a membership stake in a flat-owners' association, transfer of membership in a flat-owners' association.
  5. Opportunity to obtain up to 20% loan without documenting the purpose


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Infoline: +421 2 2085 0411


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