Loan purpose
|
financing or refinancing of residence
|
prupose other than residence (e.g. lease)
|
any (client decides) |
Minimum amount
|
CZK 200,000
|
CZK 200,000
|
CZK 200,000
|
Maximum amount
|
not limited
|
not limited
|
CZK 10,000,000
|
Loan collateral
|
right of lien for real estate
|
right of lien for real estate
|
right of lien for real estate
|
| Loan amount vis-à-vis value of collateral |
up to 100 % |
up to 80 % |
up to 80 % |
Mandatory insurance of pledged real estate
|
yes |
yes |
yes |
Payment term
|
1 year up to 40 years |
1 year up to 30 years |
1 year up to 20 years |
Manner of loan repayment
|
regular monthly annuity instalment/one-off repayment with combined mortgage and capital life insurance
|
regular monthly annuity instalment/one-off repayment with combined mortgage and capital life insurance |
regular monthly annuity instalment/one-off repayment with combined mortgage and capital life insurance |
Manner of loan drawdown
|
one-time up to 6 month or progressive up to 24 months
|
one-time up to 6 month or progressive up to 24 months |
one-time or progressive up to 6months |
Interest rate
|
fixed up to 20 years
|
fixed up to 20 years |
fixed up to 20 years |
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