BUSINESS mortgage loans

• 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 10% 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 machinery and technology, equipping your office premises, or for purchasing, reconstructing and renovating real estate. 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 request 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.