Why take out a loan with us?

• mortgage loan without useless fees 
• free provision  
• our rates are among the lowest ones 
• easy to take out 

Secure your own home while there is still time. The conditions of the Campaign can be found here. 

You will be exempt from the following fees:

• Entry of the pledge in the Land Register in favour of the bank
• Excerpt from the Land Register to draw the mortgage loan
• Excerpt from the Land Register after drawing the entire mortgage loan

You do not need to go to the Land Register. We will secure the excerpts for you. 

More on paying the fees of the Land Register can be found in our Campaign Conditions..

Wanting to live in your own home, but being unable to obtain a mortgage loan as a single applicant?
Our Mortgage Loan concluded with your parents or relatives enables us to provide you 100 % of the amount needed to purchase your property.

Benefits:

• Guarantees for parents and relatives – release of their property following a partial mortgage loan repayment, subject to the terms and conditions agreed in the contract
• Option of a free partial early repayment to release the guarantee of the parents at any time during the mortgage loan

Do you have a mortgage loan with us? Would you like to top it up?

Our offer means additional funding at a favourable interest rate for you. On top of that, we will not request a new valuation of your property or a pledge agreement.

What affects the interest rate?

• Percentage of the property’s value you are planning to borrow
• Length of time the interest rate is set (fixation)
• Amount you plan to finance

Benchmark interest rates:

And not only in period of interest rate changes (fixation). You can prepay once a year amount up to 25% of the loan amount (always in the 30 days before the anniversary of signing the mortgage contract).

In addition, you get:

• free mortgage origination - Terms and Conditions
• free management and administration of your mortgage loan
• free 1-4 draw period
• free current account in CZK and free card withdrawals from all ATMs

Lock in your mortgage rate now, even if the fixed interest term of your old mortgage isn’t over for several months. Don’t wait until mortgages become more expensive again.

If you need more money to renovate your property, we can increase your mortgage amount.

Basic parameters for the transfer of your mortgage:
​

Variations of mortgage

Overview of cooperating​​​​​​​ external appraisers.

Combined with your mortgage payment, you can arrange convenient payment protection insurance, property, and home insurance.

If you have a mortgage for more than one year, there is usually only one document to deal with - the current mortgage contract. The property details will be handled for you.

Refinancing your mortgage can be arranged at any of our branches. Make an appointment with a mortgage adviser through our contact form by clicking on the button "Contact an Advisor".