Living according to your ideas? Finally!



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I want to borrow money

For this, I need to borrow CZK to buy something special.
I will be able to repay my loan back in months.
For the new loan I insurance to protect my loan payments in case of and getting an account for free.

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PRESTO Loan for living

Make your wish list come true and finally do something nice for yourselves! You can use our favourable PRESTO Loan to improve your housing, without having to compromise.

  • We will extend a loan to you of up to CZK 1,000,000 to upgrade your housing without the need to pledge property
  • Instalments may be broken down to as many as 120 months, with up to 6 months to prove the purpose of the loan
  • And, most importantly, since we know what you will use the money for, we can provide you with an even more favourable interest rate than our loan for anything rate
  • Thanks to the attractive guaranteed rate everyone can save
  • Postpone instalments up to five times (starting with the tenth monthly payment)
  • Enjoy the benefits of insurance against the inability to pay with a choice of insured risk

You have the right to early repayment of the consumer loan at any time, either in whole or in part. You are obliged to inform the Bank in writing of your intention to repay the loan in whole or in part not later than 5 days prior to the date of the Early Payment.

The loan may be prepaid with absolutely no penalty in the following cases:

  • to the tune of 25% of the total loan amount 1 month before the Loan Agreement anniversary;
  • within indemnification out of the loan repayment insurance;
  • due to death, long-lasting illness or disablement of the borrower or borrower's spouse if such event significantly reduces borrower's ability to repay the loan.

In other events, the Bank may request the reimbursement of the costs reasonably incurred in connection with such prepayment.

The costs reasonably incurred by the Bank must not exceed the interest that the consumer would pay during the period from prepayment until expiry of the fixed interest rate period.

In the event of prepayment associated with the sale of the property the acquisition, construction, or retention of rights of which was funded by such loan and where the duration of the Loan Agreement is more than 24 months, the costs reasonably incurred by the Bank must not exceed 1% of the prepaid amount of the loan and, in any event, no more than CZK 50,000.

Should you fail to repay any debt arising from a contract by its due date, you are obliged to pay the Bank default interest on such overdue debt in an amount as per Government Decree No. 351/2013 as amended throughout the period of default, besides the interest agreed upon in the contract currently at 8,5 % p.a. (a year). This default interest rate is considered to be the maximum interest rate possible.

You are aware of the fact that failure to pay a due debt under contract is a serious violation of the contract and, in such a case, the Bank is entitled to withdraw from the contract ex nunc and to determine the entire loan immediately due and payable or, as the case may be, without withdrawing from the loan contract, to declare all or any outstanding sums immediately due and payable.Before declaring the loan due, the Bank shall call upon the consumer to pay the outstanding sum and grant a 30-day deadline to the consumer to comply.

The costs associated with the recovery of the outstanding sum are specified in the Price List.

Do you know how you would repay your PRESTO Loan in case of illness or job loss? Solvency insurance offers one solution. The insurance covers death, disability III. degree/recognition of ZTP/P card, incapacity for work, involuntary job loss or serious illness.


What do you get?

  • A lower price compared to individual life insurance
  • The possibility of insurance against serious illness


Product parameters

  • Solvency insurance will protect you in the event of certain unpleasant life situations, eg in the event of a failure of regular income and thus inability to repay obligations arising from the PRESTO Loan agreement


Who is the product intended for?

For all applicants for the PRESTO Loan who comply with the following conditions:

  • Aged under 60
  • Healthy
  • Not on old-age or disability pension
  • Not in regular medical care or under regular medical surveillance due to a chronic condition with the permanent use of medication (not suffering from diabetes but only, for instance, allergies)
  • Not incapable of work

In the case of risk of involuntary loss of job, clients must comply with the following extra conditions:

  • Employed for an indefinite period of time
  • Employed continuously in the last 12 months and not in a probationary period
  • Not quitting the job and not being made redundant, not cancelling employment with the employer immediately, not receiving from the employer or sending to the employer a proposal for termination of employment by agreement

In case of risk of serious illness, the client also meets the following conditions:

  • confirms that he has never been diagnosed with cancer

What are the benefits for clients?

  • Protecting clients and their family
  • The possibility  of insurance against the risk of serious diseases
  • No medical examinations
  • Prompt and simple handling - all you have to do is agree with the Framework Insurance Policy and the General Insurance Terms and Conditions

Product parameters

Choose from the following packages:

    Insurance in the case of death, 3rd degree disability/ recognition of ZTP/P card.
    Insurance in the case of death, 3rd degree disability/ recognition of ZTP/P card, and incapacity for work.
  • FULL
    Insurance in the case of death, 3rd degree disability/ recognition of ZTP/P card, incapacity for work, loss job and serious illness.

What documents need to be presented?

  • ID card
  • If you are not sure whether you can make regular loan repayments, contact us as soon as possible, preferably before the scheduled repayment date.
  • The speed of your response is very important for choosing the best solution for your specific situation.
  • If the threat to loan repayment already exists, contact your banker and submit documents proving the situation (e.g., a copy of the proof of termination of employment), or contact us at 221 210 020.
  • Remember to take advantage of the insurance coverage resulting from the agreed insurance of the ability to pay.

What fees will I pay?

So as to avoid increasing the price of the loan and translating it into interest rates, we have kept only the initial fee of CZK 1,500 for arranging the loan.

Do I need a co-applicant?

A co-applicant may be required for loans exceeding CZK 600,000.

Why should I take out insurance against the inability to pay?

Insurance against the inability to pay protects you in the event of certain unpleasant life situations, for instance in the case of loss of regular income, which means the inability to pay the liabilities arising from the PRESTO Loan Contract.

How can I ask for postponement of instalment payment?

All you have to do is visit the bank and sign an application for postponement of instalment payment. You must do so not later than as of the last calendar day of the month in order to postpone the instalment payment the following month. The instalment payment is postponed including interest. You can ask for postponement of the instalment payment not earlier than after 10 months of due repayment. You can postpone your instalment payment up to 5 times during the repayment period free of charge.

Download useful documents HERE.

Representative example:

I want to borrow CZK 375,000 • The total loan amount of CZK 376,500 includes a CZK 1,500 commitment fee • Duration of loan: 96 months • Interest rate: 5,29 % p.a. • Monthly instalment: CZK 4,819 • Annual percentage rate (APR): 5,53 % • Total amount due: CZK 462,830.


This offer is for information purposes only; it does not constitute a proposal for conclusion of a contract.


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