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EKO Loan and the “Zelená úsporám” Programme

Making ecology more affordable.

The EKO loan is intended for:

  • citizens of the Czech Republic
  • foreigners with permanent residency in the Czech Republic
  • citizens of EU member countries with a temporary or permanent residency permit in the Czech Republic

Characteristics of the EKO loan:

  • specific-purpose loan
  • for those who want to live in an environmentally friendly manner
  • for those who want to save on heating
  • the “Green Savings” grant is not paid out until after implementation of the measures
  • Komerční banka provides a loan of up to 100% before you gain the grant
  • if the grant application is successful, you can use it according to your requirements
  • the purpose of the EKO loan must be in line with the conditions of the Green Savings Programme
Komerční banka offers the following in terms of the programme:
  • EKO Personal loan
  • EKO Real estate loan
  • EKO Mortgage loan
Purpose of the EKO loan:
  • thermal insulation
  • boilers running on biomass
  • solar cells (thermal or photovoltaic)
  • heat pumps
  • construction of passive houses etc.

Advantages of the EKO loan:

  • an advantageous loan intended for co-financing in terms of the “Green Savings” programme
  • processing of the loan: FREE
  • an advantageous interest rate compared to standard loans
  • loan level
    •  from CZK 30,000 (EKO Personal loan)
    •  from CZK 100,000 (EKO Real estate loan)
    •  from CZK 200,000 (EKO Mortgage loan)
  • no security required up to CZK 250,000 (EKO Personal loan)
  • loan maturity
    • up to 6 years for the EKO Personal loan
    • up to 10 years for the EKO Real estate loan
    • up to 30 years for the EKO Mortgage loan
  • free creditor protection insurance* provided for the whole period of repayment of the loan
    • for the EKO Personal loan
    • for the EKO Real estate loan
  • possibility of repaying the loan early without any penalties and fees
    • for the EKO Personal loan
    • for the EKO Real estate loan
  • possibility of flexible adjustment of instalments
    • for the EKO Mortgage loan, if the applicant uses this function when arranging the loan
  • arrangement of the EKO loan and handling of the grant application at one branch of Komerční banka
  • the EKO loan is provided for both thermal solar systems (heating water) and also photovoltaic solar systems (producing electricity)
  • new: 30% discount on insurance for photovoltaic panels to go with a provided EKO loan

* Insurance relates to the event of loss of employment, inability to work, disability or death of the insured party

What do you need to arrange an EKO loan?

  • 2 identity documents
  • documents proving your income (a form for confirmation of your level of income is available at www.kb.cz) or tax return for the past taxation period including a document proving payment of tax
  • all other information about forms is available from your relationship manger at any branch of KB.

Komerční banka also offers help submitting your grant application.

When can you apply for a grant?
  • grant applications will be accepted until 30.6.2012 or until the programme's finances are exhausted
  • you can apply for a grant before implementation of the investment/project or after it
  • grants relate to projects completed after 1.4.2009 and will always be paid out after implementation of the investment/project

Representative example

For better clarity, we have prepared an Advertising offer, which includes a representative example.

How to apply for a grant via Komerční banka?

  • bring in the completed grant application form for family houses together with the other required documents to any branch of Komerční banka
  • only regional offices of the State Environmental Fund accept applications for provision of a grant for housing associations
  • call the free info line on 800 260 500 (every weekday from 7.30 am until 4.30 pm)
  • call the special info line for the EKO loan on 800 10 15 16 (from 8.00 am until 10.00 pm)
  • for all applicants of Green Savings Programme via Komerční banka there is a new infoline 955 559 500 (Mo–Fri: 8 am–6 pm) where they can consult the current status of their applications.

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