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Optimal Loan
Decreases your instalments.
The Optimal loan is intended for:
- Czech citizens
- 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 Optimal loan:
- a loan from CZK 30,000 to 2,500,000
- the maximum maturity of the loan is 10 years
- exclusively for consolidation (merging) of existing loan obligations, which are not overdue
The applicant for an Optimal loan must present the following:
- 2 ID documents
- confirmation of income or a tax return
- loan documentation for the loan products of other financial institutions intended for consolidation
Advantages of the Optimal loan:
- up to CZK 2,500,000 without security
- maturity of up to 10 years
- attractive interest rate
- arrangement free of charge
- free creditor protection insurance
- also relates to credit cards and authorised overdrafts
- possibility of also gaining a non-specific part which can be used for any non-commercial purposes
The Optimum loan allows you to:
- decrease the sum of monthly instalments on current credit products
- gain an overview of your current obligations thanks to their consolidation
- save on charges relating to current loans
- consolidate credit products at a total level of CZK 30, 000 to 2,500,000
Example:
Before using the Optimal loan
| Monthly instalment | Credit product | Amount drawn | To be repaid |
|---|---|---|---|
| CZK 2,160 | Credit card | CZK 30,000 | CZK 30,000 |
| CZK 1,213 | Motorcycle loan | CZK 50,000 Kč | CZK 45,000 |
| CZK 982 | Furniture loan | CZK 40,000 | CZK 35,000 |
| CZK 149 | Interest from an authorised overdraft | CZK 10,000 | CZK 10,000 |
| CZK 4,504 | total | CZK 130,000 | CZK 120,000 |
After using the Optimal loan with a maturity of 6 years
You can decrease your overall instalment from CZK 4,504 to CZK 2,251. You thus make a monthly saving of CZK 2,253 on the instalment.
| Monthly instalment | Loan product | Amount drawn | To be repaid |
|---|---|---|---|
| CZK 2,251 | Optimal loan | CZK 120,000 | CZK 120,000 |
After use of the Optimal loan with a maturity of 10 years
You can decrease your overall instalment from CZK 4,504 to CZK 1,642. You thus make a monthly saving of CZK 2,862 on the instalment.
| Monthly instalment | Loan product | Amount drawn | To be repaid |
|---|---|---|---|
| CZK 1,642 | Optimal loan | CZK 120,000 | CZK 120,000 |
Note: any possible monthly charges will be governed by the current price list.
Representative example
For better clarity, we have prepared a Advertising offer, which includes a representative example.
How to get an Optimal loan?
- contact your relationship manager
- call the free KB Info line on 800 521 521
- have KB call you – use the “We will call you” link
Related information:
- Explanation of terms used for purposes of information about consumer credits, information on possibility to withdraw from a consumer credit agreement and on the right to earlier repayment of a credit (PDF file)
- Insurance Terms and Conditions of Collective Insurance concerning KB Consumer Loans (PDF file)
- Reklamní nabídka - Optimální půjčka (PDF file)
- I need the forms for product opening (PDF file)
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