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Mortgage loans specification

  Purpose-bound residential mortgage loan
Purpose-bound non-residential mortgage loan
Non-purpose mortgage loan
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

 

Purpose-bound residential mortgage loan

  Individual Mortgage Start Mortgage
Plus Mortgage
Flexi Mortgage
Twin Mortgage
Key parameter of the loan Possibility for tailoring terms of the mortgage loan to the client’s individual needs Deferment of the beginning principal payments by up to 1 year 100% discount on the initial and monthly fees provided that:
  • interest rate is fixed for ≥ 3 years and
  • contractual obligation is for ≥ 5 years
Early repayment of the mortgage loan at any time without penalty 20% of the mortgage amount granted “for any purpose”
Possibility of early repayment without penalty NO NO NO YES NO
How much will the Bank lend you up to 100%
Length of interest rate fixing 1 to 20 years
Max. payment term 40 years
Manner of repayment regular monthly annuity instalment
Loan currency* CZK, EUR, USD, CHF

* We provide mortgage loans in foreign currencies only to the customers with income in the respective currency