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Additional information

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BUSINESS mortgage loans

BUSINESS mortgage loans are intended for entrepreneurs and small businesses with annual turnover of up to CZK 50 million that have been in operation at least 1 year and have their registered office/place of business in the Czech Republic.

Every Business mortgage comes with an overdraft line of credit of min. CZK 200,000. For more information, please contact your banker or call 800 144 441.



  • Loan application accepted and evaluated free of charge
  • Maximum loan amount limited by the loan’s purpose and by the form of collateral
  • Loan maturity up to 15 years
  • Drawdown period up to 18 months
  • Required investment of own sources: starting from 20% of the value of the investment
  • Fixed interest rate established on an individual basis
  • Services of a personal banker as a matter of course

 

Designated-purpose instalment loan intended for financing your company’s investment needs related to its subject of business, and in particular for purchasing, reconstructing or developing commercial, administrative and other real estate used for business purposes. The loan is always collateralised by the real estate.

  • Loan amount: agreed individually depending on the loan’s purpose and type of collateral, min. CZK 500,000
  • Loan currency: CZK, EUR, USD
  • Loan maturity: max. 15 years
  • Drawdown: one-off or gradual, max. drawdown period of 18 months
  • Repayment: monthly annuity/linear instalments
  • Collateral: by real estate (building serving for business or residence, land for development)

 

Are you interested in this product? Choose the way of contacting us that suits you the best.

On-line

Fill out the simple online reguest form and one of our bankers will contact you as soon as possible

At a branch

Schedule a meeting at your nearest branch.

By telephone

We are at your disposal on our toll-free line

800 144 441 (7 a.m.–10 p.m. daily).

Basic conditions for obtaining the loan:

  • Your company’s annual turnover is up to CZK 50 million.
  • You have no overdue liabilities to the Tax Authority or the Czech Social Security Administration.
  • Your company is not in bankruptcy or liquidation.
  • Your business is legally created as an f.o. (natural person), s.r.o. (limited liability company), a.s. (joint-stock company), v.o.s. (general commercial partnership), k.s. (limited partnership) or freelance profession.

Basic required documents:

  • Trade licence, extract from the Commercial Register, or the like 
  • Identification document, i.e. ID card or passport
  • Tax returns (including annexes) for the last 2 years
  • Documentation evidencing the purpose of the loan, i.e. a purchase agreement, invoice, etc.
  • Real estate documentation, i.e. copy of the title deed, copy of cadastral map, other documentation of ownership rights, etc.