Financing

Complete overview of products and services included in the section Financing

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

• Authorised Overdraft in a Commercial Current Account

  Authorised overdraft is a short-term overdraft in CZK for financing fluctuations in the client's current funds. It is provided in the business current account. The client can thus draw on funds in their account up to the contractually agreed limit of the debit balance.

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• Bank Overdraft for a Definite or Indefinite Period in CZK and in a Foreign Currency

  The Bank overdraft is especially intended for financing of operational requirements resulting from the client's commercial activities. The loan is administered in the client's current account.

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• KB EU Point

  KB EU POINT is a consultancy service from Komerční banka for the field of financing projects with grants from the EU structural funds and other sources.

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• Mortgage Loan in CZK or in a Foreign Currency

  A medium-term or long-term loan intended for investment, especially into real estate, which must be secured by mortgaging of real estate.

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• Municipal Loan in CZK or a Foreign Currency

  A loan for cities, municipalities and regions for acquisition of tangible or intangible fixed assets including projects, or for financing of renewal of existing fixed assets. It is also intended for bridging of a time discrepancy between income and expenditure in the budget of a city, municipality or region or for a combination of both these purposes.

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• Municipal Loan in Excess of 10 Years in CZK

  This loan is intended for cities, municipalities and regions for acquisition of tangible or intangible fixed assets including projects, or for financing of renewal of existing fixed assets. It is provided up to the level of the contractual price.

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• Municipal Revolving Loan in CZK or a Foreign Currency

  This loan is intended for bridging of repeated time discrepancies between income and expenditure in the budget of a city, municipality or region.

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• Ponte II Programme

  Loans in the Ponte II Programme for financing projects with grants from the European funds. A loan for pre-financing a grant resolves the time discrepancy between payment of project costs and receipt of the grant. The loan for co-financing a project can be used to pay for costs, which are not covered by the grant.

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• Syndication Loan

  The Syndicated loan is a special category of loan. Komerční banka, in the role of the arranger, forms a group of creditors which will finance the debtor. As the potential debtor, you can ask various arrangers to present offers, from which you select a specific solution according to your individual requirements.

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