Mortgage and borrower creditworthiness

Sample clients

Applicant and property

Applicant

Applicant's net monthly income in euros

Co-applicant's net monthly income €0 if applying alone

Other monthly instalments loans, leases, credit cards

Number of children dependent children in the household

Age of the oldest applicant affects the recommended maximum repayment term

Property and loan

Property price in euros

Own funds down payment from own funds

Repayment term

5 years30 years

Interest rate % p. a.

Rate fixation

Three financing limits

The bank compares three independent limits and will only lend up to the amount of the strictest one — marked below as the binding limit.

Financing result

Assessment date

Approved amount

Monthly instalment

Total interest paid

Total cost

Sensitivity to interest rate changes

Breakdown of the first year of repayment

Bank parameters

DTI limit multiple of annual net income

DSTI limit % of disposable income

LTV limit % of property value

Subsistence minimum — adult changes every year, check the current amount before use

Subsistence minimum — child changes every year, check the current amount before use

The figures are indicative and for demo purposes only — actual parameters and creditworthiness assessment methodology are set independently by each bank and by the National Bank of Slovakia (NBS), and change over time.

Indicative financing calculation

Prepared

Mortgage and borrower creditworthiness
demo app

Applicant

Property and loan

Assessment result

This is an indicative calculation prepared from the data entered by the client and the bank's currently set parameters. It is not a binding offer or promise of financing — the bank will determine the final terms only after verifying documents and formally assessing the application.

Advisor's name and signature

Date