How much can I borrow? Mortgage by income

How much a bank will lend is not up to the bank alone. In Slovakia it is capped by the rules of the National Bank of Slovakia: payments may not take too large a share of income (DSTI), and total debt may not be too large relative to annual income (DTI). The calculator works out both limits and shows which one decides in your case.

The subsistence minimum for every member of the household is deducted from its net income. Payments on all loans may take at most 60% of what remains. The new mortgage payment is assessed at a rate 2 percentage points higher, capped at 6%, and the loan is worked back from it. The second rule says total debt may be at most 8 times annual net income. The lower of the two amounts applies.

Banks in Slovakia may not lend more than the National Bank of Slovakia's measure allows. Three figures decide, plus the subsistence minimum, which is deducted from income first.

The subsistence minimum amounts apply from 1 July 2026 to 30 June 2027. A bank may be stricter, never more lenient, and may grant a small share of loans as exceptions to the limits: the calculator does not count on those.

• S: the highest permitted payment, i.e. 60% of income after the subsistence minimum, less payments on other loans
• i_s: the monthly rate after the stress test (the annual rate plus 2 points, capped at 6%, divided by twelve)
• N: the number of monthly payments, i.e. the term in years times 12
• P: the household's net monthly income; 8 · 12 · P is eight times annual income

The maximum loan does not mean you can buy a property worth the same. A bank usually finances at most 80% of the property's value, and the rest has to come from your own funds. That is why the calculator also shows an indicative property price at a 20% deposit. What the repayments themselves will cost, including the total interest and the repayment schedule, the mortgage calculator works out.

The result is the ceiling the rules allow at all. At lower incomes and typical rates DSTI usually decides; at high incomes, DTI. Whether you actually want such a payment is another question: the 60% limit assumes that what remains after the subsistence minimum covers everything else.

• NBS rules: DSTI 60%, a stress test of +2 points (capped at 6%), DTI 8 times annual income.
• The subsistence minimum in force from 1 July 2026 to 30 June 2027.
• Annual income is twelve times the monthly figure, without a 13th or 14th salary.
• Annuity repayment in monthly instalments at a constant rate.
• The exemptions banks may apply to a small share of loans are not taken into account.

• Entering the gross salary instead of the net. The bank assesses the net income that reaches your account.
• Forgetting other loans. A car lease, a consumer loan and a credit card all reduce both the DSTI and DTI limits.
• Treating the result as a recommendation. The maximum the rules allow need not be a sensible amount to borrow.
• Overlooking the deposit. A loan usually covers at most 80% of the property's value; the rest you must have.