I need to refinance

My loans make up a total of CZK. I pay back CZK each month.
Also I need CZK extra cash for shopping.
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 a U Konto for free.

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Now you can obtain a REWARD for proper repayment up to CZK 150,000. For more information visit our local branch.

Loan amount  REWARD following 84 duly paid payments
CZK 200 000 - CZK 399 999 CZK 50 000
CZK 400 000 - CZK 599 999
CZK 100 000
CZK 600 000
CZK 150 000

Why take out a PRESTO Loan

  • Optimise your finances and pay less or get more
  • We will settle the penalties for early repayment of your existing loans (in the case of arranging payment protection insurance and a current account)
  • Option to obtain additional resources
  • Option to postpone the instalment up to five times (the earliest opportunity is to postpone the tenth monthly instalment)
  • Option to repay the entire loan or a part there of early
  • Payment protection insurance with choice of insured risk
  • You can get the loan with a single visit to the bank
  • Direct drawdown to your account immediately upon signing the contract

Loan parameters

  • Loan amount between CZK 30,000 and CZK 1,000,000 (above CZK 300,000, a co-applicant may be demanded)
  • Optional maturity period 12 - 84 months (above CZK 600,000, even 96 months)
  • Actractive interest rate guaranteed throughout the loan repayment period


Representative example:

I want to borrow CZK 202,0000. The total loan amount of CZK 237,688 includes a fee for provision of the loan of CZK 1,500 and a fee for insurance of CZK 34,188. Duration of loan: 84 months. Interest rate: 7.9% p.a. Monthly instalment: CZK 3,693. Annual percentage rate (APR): 13.84% (in the event of non-compliance with the conditions of due repayment). Total amount due: CZK 313,491, following the offset of remuneration for due repayment of CZK 263,491, which corresponds to the interest rate of 2.6% p.a. The interest rate applies subject to taking out insurance of the ability to repay and opening an account in UniCredit Bank (or signed account mobility).

The interest rate for due repayment of only 2.6% p.a. corresponds to a loan of CZK 200,000; 400,000 and 600,000 with an 84-month maturity and an active insurance of the ability to repay.

The amount of remuneration for due repayment of the loan only applies to the consolidation of existing debts into one favourable PRESTO Loan (PRESTO Loan – Consolidation of Loans) even without the insurance of the ability to repay, with a 60 - 96 month maturity, subject no early repayment of the loan in full or in part is made.

This offer is for informational purposes only; it does not represent a proposal to execute a contract.

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