Enter your income and the property price, or just the loan amount. You will immediately see the payment, the maximum loan under DTI, DSTI and LTV, and which limit stops you. Your browser does the calculation and nothing is sent. The result is an indicative estimate under NBS rules, not a bank offer.
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By year. Open a year with the button next to it to see the individual months.
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An indicative calculation under NBS rules (Measure 10/2016 as amended), rules verified as of 2 November 2026. It is not a bank offer or a binding estimate. The bank decides on the loan under its own methodology. We cannot predict how many years of a higher rate follow the reset; the payment applies to an unchanged rate.
Age determines DTI. Without a date of birth we assume the oldest possible birth date for the age entered, so the result may be lower than the real one.
On a payslip it is the line Net pay (net wage). The bank takes the average of 12 months, so add up the latest payslips and divide by their number. Your employer will also issue an income confirmation for the bank.
If you have a type A tax return for 2025, annual net income comes to row 34 (total income) minus row 36 (insurance contributions) minus the tax from row 45. Divide the result by twelve. The child bonus is not included here, so this is only indicative.
Only the amount your bank confirmed.
For business, rental income or a limited company, every bank calculates income in its own way and recognises only part of it. Enter the amount your bank confirmed, not turnover.
For orientation: in the type B tax return for 2025, the tax base is in row 45 and the tax on business income in row 105. Treat a result with such income as a rough estimate only.
You will find the outstanding principal, monthly payment, rate and end date in internet banking under the loan or on the latest loan statement.
The higher-rate stress test depends on it.
The approved limit of a card or permitted overdraft is on your account statement or in internet banking. You will see the drawn part there for certain. The unused limit also counts towards the burden.
A mortgage is limited by three rules of the National Bank of Slovakia. The calculator works out the ceiling under each of them and shows the lowest, because that one decides.
Total debt (the new loan and other debts) may be at most a multiple of annual net income.
Payments may take at most 60% of income above the household subsistence minimum. The reserve for the new payment is 0.6 · (income − subsistence minimum) − payments on other loans, and maintenance paid is deducted as well.
The loan may be at most 80% of the lower value: the purchase price or the valuation.
The maximum loan is the lowest of the three ceilings, rounded down to whole euros. The loan needed is the purchase price minus own funds. If the loan needed is higher than the ceiling, the difference is the amount you must add from your own funds. Without a purchase price LTV is not calculated, and the calculator shows the income-based limit, not zero.
With an unchanged rate the payment is the same every month (an annuity). From the loan P, the monthly rate r (annual rate divided by 12) and the number of months n we get:
payment = P · r / (1 − (1 + r)−n)
At a rate of 0% the payment is P / n. We round the payment to the cent and adjust the last payment so that the balance comes out at exactly zero. Interest is the sum of the interest in the schedule, not an estimate. We do not show the APR, because we do not know the fees or insurance at your bank.
Example: a loan of €150,000 at 4% over 30 years (360 months) has a payment of €716.12. The maximum loan for a payment you can afford is the reverse calculation: payment times (1 − (1 + r)−n) / r.
You can change the assessment date in the calculator and compare the result before and after the rules change.
In these cases the calculator would rather not give an amount, or marks it as an estimate. The bank decides.
We verified the rules on 2 November 2026 against official NBS pages and overviews. The 70% LTV limit from July 2027 so far rests only on secondary sources (reports on the amendment, not its text), and we have not confirmed the age condition for 90% LTV from the full text. The calculator marks both.
The ceiling is set by three NBS limits: DTI (debt to annual income), DSTI (payments to income after deducting the subsistence minimum) and LTV (loan to property value). The lowest one applies. With an income of €1,800 a month, a 4% rate and 30 years, the ceiling comes to about €150,600, for a property worth €200,000 with €40,000 of own funds. The bank may offer less. However, the NBS allows it exceptions for part of new loans, which the calculator does not use, so in some cases it may go higher.
DTI is the ratio of total debt to annual net income. For a borrower under 40, the ceiling is 8 times annual income. If you would not repay the loan by your 65th birthday, the multiple falls by a quarter for each year over 40, to a minimum of 3. It is calculated for each borrower separately, and the debts you already have are deducted from it.
DSTI means that payments may take at most 60% of the household's income above the subsistence minimum. The bank also recalculates the payment at a higher rate (by 2 pp, up to 6%) and over 30 years, because the rate after the reset can rise. For a fixation over 10 years an increase of 1 pp is enough, and for a fixation for the whole maturity the test is not carried out.
LTV is the ratio of the loan to the property value, using the lower of the purchase price and the valuation. The usual ceiling is 80%, and the rest must come from your own funds. From 1 January 2027, a bank may allow people under 35 buying their first home up to 90%, but only under a limited exception, so it is not an automatic entitlement.
With an unchanged rate, the payment stays the same throughout (an annuity). A €150,000 loan at 4% over 30 years costs €716.12 per month, and you pay about €107,800 in interest in total. The first payments consist mostly of interest, the last mostly of principal. The calculator shows the breakdown by year and by month.
The bank also assesses what the calculator cannot: how it recognises income from self-employment, a limited company or rental, your history in the debtor register and the value of the property by its own valuation. The calculator only applies the basic NBS limits that apply to all banks and does not use the exceptions the NBS allows banks for part of new loans (for example higher LTV or DTI). The bank's offer may therefore be lower, and in some cases higher. Treat the result as an indicative estimate.
Yes. DSTI counts 3% of the card limit per month, and DTI counts the drawn part plus 20% of the unused limit. With a limit of €5,000, the unused limit reduced the maximum mortgage in our example by around €25,000. Before applying for a loan, it is worth cancelling cards you do not need.
From 1 January 2027, up to 90% LTV is expected to be available to people under 35 buying their first home, under a bank exception for at most one fifth of new loans. From July 2027 the LTV ceiling is expected to fall to 70% when buying a third or further property. We confirmed the second change only from reports about the amendment, so the calculator marks it as partly verified. After 30 June 2027 the new subsistence minimum is also missing, so DSTI is not calculated until it is published.
We will prepare the income confirmations, tax return and financial statements that the bank requires for a mortgage in good time and without delay.
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