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Loan for Investment in CZK and in a Foreign Currency

Investment loan in CZK and foreign currency.

The Investment loan is intended for:

  •  a client who is an entrepreneur (corporate entity or natural person) and who:
    • is authorised to do business in the Czech Republic and also does business here
    • has a tax liability in the Czech Republic
    • meets the conditions of the pertinent legal regulations for acceptance of the loan
  • municipalities, clusters of municipalities, regions, contributory organisations established by a municipality or region, corporate entities founded by a municipality or region

Characteristics of the Investment loan:

  • maturity: short-term, medium-term or long-term loan
  • purpose:
    • for acquisition of tangible or intangible fixed assets (buildings including projects, machinery and equipment or sets of them etc.)
    • in absolutely exceptional cases, the purpose of the loan may also be a loan to businesses in a group, which is used to finance their operational and investment requirements 
  • the loan can be provided up to the level of the contractual price
  • drawing:
    • one-off or gradually
    • for direct payments to the account of the supplier or seller on the basis of documents presented (invoices, purchase contracts etc.)
    • in exceptional cases to the client's current account with a subsequent check by the bank that the loan was used for the specific purpose determined
    • drawing limited by actually incurred costs for acquisition of the fixed asset
  • fixed or variable interest rate
  • repayment of interest:
    • monthly or quarterly
    • on the dates agreed in the loan contract
    • the method of interest is agreed in the contract
  • the loan is provided in CZK and also in selected foreign currencies (EUR, USD and CHF) or in a combination of various currencies
  • the alternative in foreign currency is above all provided to clients with sufficient payments made in foreign currency into their KB account

Advantages of the Investment loan:

  • gradual drawing on the loan
  • distribution of repayments of the principal, which creates conditions for positive cash flow development
  • possibility of gaining the loan in several currencies on the basis of one loan contract

The Investment loan allows you to:

  • implement financially demanding investment projects
  • develop your commercial activity

Requirements for the Investment loan:

  • loan application
  • current documents showing authorisation to do business
  • financial statements
  • or other documents for assessment of risk
  • documents required for securing the loan according to the character of the means of security (e.g. in the case of right of lien to real estate, an extract from the ownership deed not older than 5 days, acquisition deed, insurance contract etc.).

How to get an Investment loan?

  • contact your relationship manager
  • call the free KB Info line on 800 521 521

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