We will help you fulfil your dreams.
An offset mortgage (a combination of a classic mortgage and a special savings account) will allow you to influence actively the amount of interest paid on the mortgage by depositing money in a savings account established in a bank. You pay monthly mortgage interest only on the difference between the current mortgage balance and the savings account balance. You can withdraw funds from the savings account at any time.
How offset mortgage works - example:
The current balance of the mortgage loan is CZK 2,000,000. Assuming that CZK 400,000 is deposited in the savings account, interest on the mortgage will be calculated only on the amount of CZK 1,600,000.
Easy to get more money.
Possibility to borrow funds beyond your existing mortgage.
With our offer, you will get additional finance at a favorable interest rate, and in addition, we will not require a new property valuation from you.
Mortgage refinancing is free with us.
In addition, you get for free:
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 24 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 500 000 CZK to 90% of the value of your property|
|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|
|Non-purpose mortgage||if you are interested in refinancing a non-purpose|
We offer online appraisal of apartments for free and accept original estimates.
Our mortgage advisors will be happy to explain the terms of each option.
If it is necessary to prepare a standard property valuation, we will find a suitable appraiser and order the appraisal for you.
Easily transfer your mortgage without complicated paperwork.
The basic required documents are: loan agreement of the refinanced loan, quantification of early repayment of the refinanced loan.
Refinancing your mortgage can be arranged at any of our mortage centres. Make an appointment with a mortgage adviser through our contact form by clicking on the button "Contact an Advisor".
Loan amount: CZK 3,000,000; term: 30 years; total number of instalments: 361; monthly payment: CZK 16,641; seven-year fixed interest rate: 5.29% p.a.; APR: 5.48%; total amount to be paid by the consumer: CZK 6,020,989. Fees associated with the loan: Fees associated with the loan: zero fee for provision of the mortgage loan; monthly account management fee CZK 49; zero mortgage management and administration fee; zero monthly fee for payment protection insurance fee. 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 4,900 (in case of a residential unit), fee for withdrawal after submission of the pledge entry into the cadaster CZK 1,900, costs of registration of the mortgage right concerning the real estate in the Land Registry in the expected amount of CZK 2,000; costs 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 2,000; costs of authentication of signatures in the expected amount of CZK 240; costs of an extract or copy of an entry from the Land Registry in the amount of CZK 350. All of the above items are included in the APR. In addition, property insurance is required. The loan is secured by a mortgage right concerning the real estate.