My mortgage fix ends in 2026: exactly how much the payment rises

How much does the payment change?

Model balance €100,000, 25 years remaining.

That is +€1,614 or −€829 a year.

When does the bank tell me?

Slovak banks must notify the new rate at least two months before the fix ends. They tell you their own offer only — they will not compare it with the market.

Two months is also not much. Refinancing to another bank usually takes longer, so anyone who starts only after the letter arrives mostly just accepts what came. A sensible start is six to twelve months ahead.

Refix or refinance?

• 2021 cohort: cheaper than 3.70% barely exists today. The question is not where to save but how to carry the payment.
• 2023–24 cohort: comparing is worth it. The gap between 4.65% and 3.40% is almost €830 a year on €100,000.

What matters more than the rate?

How much is left after the payment. A bank will approve €511 if you meet the limits. That is not the same as carrying it when the car breaks or one income stops. That answer is not in the rate, it is in your fixed outgoings — in your statement.

Any calculator will give you the new payment. How many months your buffer lasts after it can only come from your real payments — VESTELON FLOW reads them from your statement in your browser, with no bank login.