Credit

Complete overview of products and services included in the section Credit

This list contains an overview of the products and services included in the Credit section of Komerční banka. The product and service overview is arranged in alphabetical order.

• 2 in 1 mortgage

  Do you want to buy your own flat, build a house or reconstruct your real estate? Would you like to gain money for housing and also for other purchases? Then the 2 in 1 Mortgage is designed just for you – a loan, which allows you to gain money for anything you want!

  Continue ›

• A card

  A card that will make your shopping more enjoyable, save your time and help you save up for the future.  International embossed credit card with a constant access to an interest-free loan.

  Continue ›

• Authorised Overdrafts for Individuals

  Authorised overdraft for drawing on your current account into the red. With an authorised overdraft, you do not need to worry about a lack of funds for your everyday requirements or for settlement of standing orders.

  Continue ›

• Back and Forth Mortgage

  The Back and Forth Mortgage allows you to gain a mortgage before you have selected a specific item of real estate. The agreed loan conditions are valid for a period of up to 6 months – KB guarantees the agreed interest rate for the whole of this period. What is more, you also have to possibility of gaining money for real estate, which has already been paid for and use the loan finances for anything you want!

  Continue ›

• Bridging Mortgage Loan

  A real estate loan secured using Modrá pyramida building savings or capital life insurance.The minimum level of the loan is CZK 100,000. The maturity of the loan in combination with building savings is 1 to 8 years and in combination with capital life insurance 5 to 30 years.

  Continue ›

• Building Savings

  Building savings is one of the most advantageous methods of financing housing, but also for saving any required financial amounts. A combination of your own savings, state support and a loan from Building savings guarantees a reliable source of funds for housing. You can also save advantageously for other purposes. To speed up your path to funds, you can apply for a bridging loan.

  Continue ›

• Credit Card VISA Electron

  International credit card VISA Electron provide constant access to an interest-free loan regardless of the current status of your current account.

  Continue ›

• EKO Loan and the “Zelená úsporám” Programme

  EKO loan WITH AN ADVANTAGEOUS INTEREST RATE for those who want to live in an environmentally friendly manner and save energy. Cooperation between Komerční banka and the State Environmental Fund on the “Green Savings” programme allows those who think about the environment to gain advantageous conditions.

  Continue ›

• Flexible Mortgage

  Flexible mortgage – a loan, which adapts to suit your requirements! Possibility of decreasing  the level of the monthly instalments, paying an extraordinary instalment free of charge, deferring the start of repayment or interrupting repayment by up to 3 months, gain up to 100 % of the required amount. All services including valuation and insurance of the real estate under one roof!

  Continue ›

• Garant Loan

  The GARANT loan, a cash loan for anything. We process the loan quickly and subject to more advantageous conditions than for a classic cash loan. The loan is secured with real estate.

  Continue ›

• Gaudeamus Loan

  A loan for students at universities (including postgraduate study), colleges and secondary schools. For tuition fees, study abroad, or for anything else with the possibility of repayment once your studies have ended. Transfer of the funds to a current account or direct payment of tuition fees to the school's account.

  Continue ›

• Lady Card

  A unique card every woman must have in her purse. A payment card for those, who wish to use an attractive means of payment to facilitate their everyday shopping and to make their dreams come true. International embossed credit card with a constant access to an interest-free loan.

  Continue ›

• Loan for Real Estate

  The Real estate loan, specific-purpose loan for financing investment into housing. We process the Real estate loan quickly, subject to more advantageous conditions than a classic consumer loan. You also get free creditor protection insurance to cover long-term illness, loss of work, disability of death.

  Continue ›

• Loan Without Risk - Perfect Loan

  The Perfekt loan for anything you want. With no charges, no wait and no savings, you gain a loan within 24 hours. Free creditor protection insurance to cover long-term illness, loss of work, disability or death. If you use KB Internet banking and have a preapproved credit limit, you can arrange the loan on-line via the MojeBanka application.

  Continue ›

• Loan Without Risk - Personal Loan

  A Personal loan for financing your personal requirements. Loan within 24 hours. Possibility of free creditor protection insurance to cover long-term illness, loss of employment, disability or death. If you use KB Internet banking and have a preapproved credit limit, you can arrange the loan on-line via the MojeBanka application.

  Continue ›

• MojePůjčka Plus

  New product intended for existing KB clients, who are currently paying off one or several consumer loans. It will allow you to increase the loan principle with similar installment as for your existing products, without the need to document your income.

  Continue ›

• Mortgage Loan

  Do you want to buy a house or flat and live in your own home at last? Do you need to resolve problems with co-ownership of real estate or inheritance proceedings? Do you want to buy a cooperative flat? Do you want better housing? Make use of a Mortgage loan and invest in your housing!

  Continue ›

• Optimal Loan

  The optimal way to decrease instalments on your loans. In addition to this, you also save on the charges, which you pay every month for various loans. The Optimal loan can be used for consolidation of your current consumer loans, credit cards and authorised overdrafts.

  Continue ›

• Premium Loan

  Any individual, Czech citizen, foreigner with permanent residency in the Czech republic and any EU citizen with temporary or permanent residency permit in the Czech republic. Premium loan is designed exlusively for personal, non-business needs.

  Continue ›

• Pre-mortgage Loan

  For financing of housing in a situation when you still do not have any real estate suitable for use as security. Make use of a combination of a Pre-mortgage loan and a Mortgage loan. As soon as you gain real estate for use as security for the Mortgage loan, you repay the Pre-mortgage loan with the Mortgage loan.

  Continue ›

• T-Mobile Bonus Credit Card

  The T-Mobile Bonus credit card with great advantages. Free calls, SMS, MMS and other services free of charge from T-Mobile. A loyalty programme and unique credit card in one.

  Continue ›