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Purchase of Real Estate

Doesn't your current apartment suit you anymore? Is your rent too high? Get your own place to stay.
Are you crowded in a small house when you would like to live in a bigger one? Get it then.

Advantages

Up to 100 % of the amount that you need
- you do not have to have any savings – we will lend you the whole amount that you need
For all types of real-estate
- we will lend you finances for a house, an apartment, a cooperative apartment, a cottage, a weekend house, a garage, or a piece of land
Professional consultant services free of charge
- our specialists will help you free of charge
- we will prepare a custom-made offer for you
Comfortable services at one place
- we will provide an appraisal of the collateral
- we will arrange real-estate insurance and risk life insurance with Komerční pojišťovna, a. s.
Identical conditions
- we will lend finances to you for a cottage on the same terms as for example for a house

More information

The minimum amount of the loan: CZK 200 000
Maturity of the loan: 5 – 30 years, or 5 – 8 years in case of a mortgage loan paid off from building savings with Modrá pyramida stavební spořitelna, a. s.
Drawing:
- as a lump-sum or gradually
- must begin within 6 months of the date of signature of a contract
- must be finished within 24 months of the date of signature of a contract
Repayment:
- annuity
- one-time/gradual in case of a repayment of the loan with proceeds from the capital life insurance or building savings with Modrá pyramida stavební spořitelna, a. s.
Interest rate: fixed throughout the period of validity of the interest conditions, i.e. 1 – 10 years, or 15 years
Life insurance: it positively affects the interest rate if arranged with Komerční pojišťovna, a. s.
Security: always secured by a mortgage right to a real-estate

Execution of the loan/What can you expect?

Mortgage loans are granted at specialized branches of the bank.

Prior to our first meeting, it would be useful to know the following:

What are you going to buy using a mortgage loan?
What is the purchase price of the chosen real-estate?
How much money do you have available and are you going to use it for the purchase?
What is your income?