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Reimbursement of Already Paid Investment into Real Estate

Have you paid part of the purchase price with your own money? Have you paid several invoices for labour or material from other income? Are you in need of these finances now? Take advantage of a mortgage loan.

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
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

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 lien on the 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 reimburse using a mortgage loan? (Invoices, purchase price)
How much was the purchase price or paid invoices?
What is your income?

Mortgage Loan Guide

Necessary documents

Documents identifying a client
Document related to incomes of a client
Document related to an object of the loan (the collateral)
Document related to expenses and obligations of a client
Document related to a reimbursement (to a reimbursement of already paid investments in the real-estate)