Mortgage affordability calculation in Slovakia: how banks view investors
What affects mortgage affordability: income, existing loans, DTI, DSTI, LTV, rental income and bank-specific rules.
Articles
Financing
Mortgages, affordability, DSTI/DTI and refinancing from a portfolio investor view.
DSTI and DTI limits in Slovakia: what they mean for mortgages
A plain-language explanation of Slovak DSTI and DTI rules, their limits and their impact on investment property financing.
How to refinance a mortgage: when changing the loan makes sense
A practical guide to mortgage refinancing, comparing offers, including fees and understanding why a lower payment is not always a saving.
How to prepare for another mortgage with a real estate portfolio
What to prepare before your next mortgage application, how to think about creditworthiness, and why banks care about more than just the property value.