Fee and Compensation Schedule Effective from 01.09.2025

Account management

no fee

Account statement sent 

no fee

Electronically

Display in the client zone for each loan separately

Preparation of the loan agreement

no fee

Registered mail,

2nd class

For loans concluded until 2012 – Repayment Agreement

For stabilization loans – Stabilization Loan Agreement

Re-preparation of the loan

agreement / amendment

to the loan agreement

6,00 €

Registered mail,​
2nd class

Due to incorrect data provided by the applicant, change of data, etc.

Penalty fee for neglected reporting obligation

Neglect of the reporting obligation according to the relevant provisions of the loan agreement or repayment agreement

Registered mail, 2nd class with delivery confirmation

Sent together with the amendment

Repayment of part or all of the loan​

y an extraordinary payment during a deferment

period or before the start of repayment

5,00 %​

Of the amount of the extraordinary payment, subject to the relevant provisions of the loan agreement or repayment agreement

Repayment of part or all of the loan​

by an extraordinary payment outside

the deferment period or after the start of repayment

no fee

1st Reminder

6,00 €

2nd Reminder

19,00 €

Electronically

For a payment delayed by two months; electronically sent to the guarantor for information

3rd Reminder – Director’s Reminder

50,00 €

Registered mail,2nd class

For a payment delayed by three months; electronically sent to the guarantor for information

Notice for one-time settlement of outstanding debt

19,00 €

Registered mail, 2nd class with delivery confirmation

If the borrower is late with more than three installments; notice includes information about the start of legal proceedings

Notice for repayment of an unduly drawn loan

according to

he relevant provisions of the loan agreement

Registered mail, 2nd class with delivery confirmation

Notice to submit proof of completion of

studies​

6,00 €

Electronically

If the borrower neglects the obligation to provide proof of study completion

Notice to cancel a standing order

6,00 €

Electronically

If payments are still being made after the loan is fully repaid and the borrower has been removed from the debtor register

Applying principal reduction for a client with poor payment discipline (overdue installments))

3,00 % 

Of the sum of overdue installments

Applying principal reduction for a client with good payment discipline

no fee

Information to guarantor for notice

6,00 €

Registered mail, 2nd class / Registered mail, 2nd class with delivery confirmation

Sent with:

• Notice for one-time settlement of outstanding debt
• Notice for repayment of unduly drawn loan
• Other selected documents
  

Verification of debtor’s or guarantor’s permanent residence in the SR Register

of Residents

at the administrative fee rate

The Fund submits the request to the SR Register of Residents if written documentation sent to the debtor or guarantor is returned to the Fund as “addressee unknown.”

Sending a document upon

debtor’s/guarantor’s request

6,00 €

Electronically / 2nd class mail / Registered mail, 2nd class

Sending a document requested by the debtor/guarantor (e.g., account statement, loan confirmation, outstanding balance, penalty interest, copy of loan agreement, return of original documents to debtor, etc.)

Processing overpayment

6,00 €

Electronically

Returning overpayment to the debtor (e.g., due to failure to cancel a standing order after loan repayment, continued repayment for another reason, incorrect last installment payment, etc.)

Secondary payment identification

6,00 €

Electronically

Identification and manual processing of payment without a variable symbol or with an incorrect variable symbol, including sending a notice about the incorrect 

variable symbol​

Loan insurance – Student loans

0,35%

Paid annually  

according to the

statement ​

On the day the loan is credited to the debtor’s account from the provided loan and then each calendar year until the loan is repaid, based on the loan balance as of 31.12. of the previous calendar year

Loan insurance – Pedagogical loans

0,4%

Paid annually  

according to the

statement ​

On the day the loan is credited to the debtor’s account from the provided loan and then each calendar year until the loan is repaid, based on the loan balance as of 31.12. of the previous calendar year

Loan insurance – Stabilization loans

no insurance

According to the subsidy agreement, MŠVVaŠ SR loans are not insured

Payment to a different account number

6,00 €

Electronically

If a payment is identified to a different account number than agreed, the payment will be returned to the payer