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Changes in Slovak legislation
Law number, regulation
Title of change / Brief description
Publication and changes
Entry into force
№ 123123
Change number one
Change number oneChange number oneChange number oneChange number oneChange number one
Publication and changes: 22.08.2025
Entry into force: 23.08.2025
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Payment methods
Payment for property purchased from the developer can be made in several ways:
Full Payment:
The client pays the full cost of the property in one lump sum payment.
Property Selection
Full Payment
Transfer of Property Rights
Preliminary mortgage planning based on socio-economic status.
You do not need to be a citizen or have a residence permit in the country; anyone interested can purchase property.
Mortgage for Živnost Owners and Residents of Slovakia
If you have a Živnost and a business residence permit, you can obtain a mortgage after 1.6 years from the date of registration, provided you show the corresponding profit for the tax year. Please note: your contributions to social and health insurance may increase significantly. Contact a consultant for guidance.
Preliminary Mortgage Amount Planning
Assessment of Opportunities According to Socio-Economic Status and Your Income
Property Selection
Preliminary Approval from the Bank
Making a Full or Partial Down Payment
Transfer of Mortgage Funds to the Seller
Transfer of Property Rights
Mortgage for SRO Owners and Residents of Slovakia
If you have an SRO and a business residence permit, you can obtain a mortgage after 1.6 years from the date of registration, showing the corresponding profit for the tax year. The profit calculation for the mortgage for an SRO differs from the calculation for an employee or a Zivnost owner. Contact a consultant.
Mortgage for Employees and Residents of Slovakia
If you have a residence permit for work, after 6 months of employment, showing the corresponding profit, you can also obtain a mortgage. It is necessary to consider income and stability, work experience, and type of employment contract. Contact a consultant.
Preliminary Mortgage Amount Planning
Assessment of Opportunities According to Socio-Economic Status and Your Income
Property Selection
Preliminary Approval from the Bank
Making a Full or Partial Down Payment
Transfer of Mortgage Funds to the Seller
Transfer of Property Rights
Mortgage for EU Citizens and OECD Countries
If you are a citizen of an EU or OECD country, you can also obtain a mortgage in Slovakia based on your income from your home country. However, your earnings must meet the bank's criteria. The mortgage amount may be lower compared to that of a resident of Slovakia.
Preliminary mortgage planning based on the borrower's income.
Preliminary property selection to assess the percentage of the approved mortgage amount.
Preliminary Approval from the Bank
Selection of the property you wish to purchase.
Making a Full or Partial Down Payment
Transfer of Mortgage Funds to the Seller
Transfer of Property Rights
Loan for Initial Capital for EU Citizens and OECD Countries
If you wish to purchase property abroad but lack sufficient personal capital, even though the property offers promising returns, we will provide you with solutions to obtain a loan in your country for any purpose.
Preliminary planning for loan availability in your country.
Collection of documents and submission to the financial authorities in your country.
Preliminary mortgage planning based on the borrower's income.
Preliminary property selection to assess the percentage of the approved mortgage amount.
Preliminary Approval from the Bank
Selection of the property you wish to purchase.
Making a Full or Partial Down Payment
Transfer of Mortgage Funds to the Seller
Transfer of Property Rights