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Additional information

Investment loans for housing co-operatives and associations of housing unit owners

Investment loans are intended for housing co-operatives and associations of housing unit owners with an annual turnover up to CZK 50 million, a minimum period of operation of 1 year, and having their registered offices in the Czech Republic.

Advantages of investment loans
Product description
Obtain the product

Loan application accepted and evaluated free of charge
Maximum loan amount up to CZK 10 million
Loan maturity up to 15 years
Loan provided without using real estate as collateral
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 investment needs, i.e. reconstruction, modernisation or repair of an apartment building owned by a housing co-operative/owners association. The loan also can be used to refinance a loan at another bank or one’s own sources already invested.

Loan amount: min. CZK 250,000, max. CZK 10 million
Loan currency: CZK
Loan maturity: max. 15 years
Drawdown: one-off or gradual, max. drawdown period of 12 months
Repayment: monthly annuity
Required investment of own sources: min. 10% of the total invested amount
Collateral: depending on legal form with no need for pledge of real estate

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:

The annual turnover of your co-operative/owners association is up to CZK 50 million.
Apartment building with min. 12 housing units
You have no overdue liabilities to the Tax Authority or other institutions or organisations.
Your co-operative/owners association is not in bankruptcy or liquidation.

Basic required documents:

Document evidencing the existence of the co-operative/owners association, i.e. extract from the Commercial Register and articles of association
Minutes from the members meeting of the housing co-operative/meeting of the owners association – consent to reconstruction and the method of financing
Tax returns (including annexes) for the last 2 years
Documentation evidencing the purpose of the loan, i.e. contract for work, invoice, etc.
Documentation on the real estate, i.e. extract from the title deed and a copy of the cadastral map