Before reserving a property
We’ll check income, existing commitments and savings. Let’s also allow for moving, furnishing or repairs.
Buying a home starts with a budget
Mortgages in Košice: plan your budget
Let’s review your own funds, monthly payment and the reserve left after buying. A housing budget also needs room for everyday life.
Review my housing budget
The full cost of the loan
We’ll compare the interest rate alongside the fixed-rate period, loan term and cost of services required for the offer.
- Your own funds and the reserve left over.
- The payment over your chosen term.
- Fees and loan drawdown conditions.
Application documents
We’ll prepare the income and property details and the documents needed. After choosing an offer, we’ll review the steps to draw down the loan. The bank decides on approval and terms after assessing both the application and the property.
Housing budget
Estimated monthly payment
A model of an amortising loan with the same interest rate throughout. It is not a bank offer or an approval assessment, and excludes fees and insurance.
Model monthly payment
- Interest over the full term
- Principal + interest
The interest rate and payment may change when the fixed-rate period ends. For refinancing, add one-off costs and compare the same remaining term.
One point of contact. Directly with me.
Review my housing budget
I’ll call you and also send the specific options by email.
Martin Gago0950 638 350
[email protected]
By phone or online.
Platanová 404/5, 040 01 Košice
correspondence address only.
Let’s arrange a consultation.
* Both email and phone are required.
Questions before you decide
Good to know
Should I look into a mortgage before choosing a flat?
Yes. A budget helps you set a price range and work out your own funds. The bank will still assess the specific property and application separately.
Does a low monthly payment guarantee a cheaper loan?
No. A longer term can reduce the monthly burden but increase the total cost paid. We’ll compare both figures.
Is the mortgage calculator’s result enough?
The calculation shows a model payment based on your inputs. It does not assess income, credit records or the acceptability of collateral, and it is not a bank offer.
Information source: NBS – Housing loans. This is a general explanation; we’ll discuss the specific terms during a consultation.