We will pay the fees from the Land Register for you!
You will be exempt from the following fees:
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..
We will help you fulfil your dreams.
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.
Obtaining additional funds is easy.
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.
We will pay off your previous mortgage and replace it with a more favorable interest rate with guaranteed rate 2.49% p.a.
This rate mortgages you get it from CZK 1 000 000 and up to 80% of the property value.
What affects the interest rate?
Benchmark interest rates:
|3 years||from 2.49 % p.a.|
|5 years||from 2.59 % p.a.|
Pay your mortgage even faster - without charge
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).
Refinancing your mortgage doesn’t have to wait - it can adapt to your needs.
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.
|Mortgage amount||from 300 000 CZK to 90% of the value of your property|
|Drawdown||up to 12 months after your loan is approved - Assigned on account of your current lender + Up to 20% financing for small renovations is added to your account without proof of invoices|
|Interest rates||a fixed term of 3 or 5 years|
|Length of repayment||from 5 to 30 years|
|Repayment||monthly annuity payment, fixed for the duration of the interest rate|
|Security||residential property, completed and approved, in good condition|
|Mortgage PRO||PRO loan for entrepreneurs|
|Mortgage FIT||FIT Mortgage can take into account your credit history and minor registry entries|
Easily transfer your mortgage without complicated paperwork.
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".
Loan amount: CZK 1,800,000; term: 30 years; total number of instalments: 361; monthly payment: CZK 7 103; three-year fixed interest rate: 2.49 % p.a.; APR: 3.21 %; total amount to be paid by the consumer: CZK 2,793,486. Fees associated with the loan: zero fee for provision of the mortgage loan; zero monthly account management fee; zero mortgage management and administration fee; monthly payment protection insurance fee in the amount of CZK 630. In addition to the above, you will incur the following costs in connection with the mortgage: assumed costs for real estate appraisal in the amount of CZK 3,900 (in case of a residential unit); costs of registration of the mortgage right concerning the real estate in the Land Registry in the expected amount of CZK 0; fee paid to the bank for sending the instruction to de-register the mortgage right and other rights from the Land Registry upon termination of the mortgage loan in the expected amount of CZK 500 together with the costs of the proceedings before the Land Registry Office in the expected amount of CZK 1,000; costs of authentication of signatures in the expected amount of CZK 30; costs of an extract or copy of an entry from the Land Registry in the amount of CZK 0; required property insurance. The loan is secured by a mortgage right concerning the real estate.