Komerční banka brings a special offer of interest rates for three- to five-year fixed-rate periods. It offers interest rates from as low as 4.45% for the Klasik mortgage loans (up to 85% LTV).

In this way, KB accommodates the wishes of all clients who are looking for the certainty of low instalments on their mortgage loan without the risk of a sudden increase of the interest rate, which would unexpectedly cause threat to their family budget, says Monika Truchliková, Deputy Head of Marketing at Komerční banka.

At the same time, KB makes it possible for the clients to use up to CZK 400,000 from the loan for anything they want, for example, to buy household furnishings, furniture, electronics, etc.! Thus, together with the mortgage loan for investment in property, the client also obtains additional funds, and at the same low interest rate!

KB offers the opportunity to take out Payment Protection Insurance for all KB mortgage loans. This insurance policy will protect the clients, their family and their property. Several alternative options are available. In addition to a policy covering death and full disability, clients can also take out a policy covering incapacity for work and, in the comprehensive package, loss of employment. Should any of these events occur, the client's debt to the bank will be paid by the insurance company, or the client's instalments on the loan will be paid from the compensation provided by the insurer. Further, in the event of illness or unemployment, clients are relieved of the obligation to pay the premiums.

The following are some of the advantages of the Payment Protection Insurance policy for KB mortgage loans:

  • An opportunity to obtain a lower rate of interest on the mortgage loan;
  • The range of risks insured will cover you for the most difficult situations in life;
  • Premiums are only paid from the moment of drawdown on the loan;
  • The premium is reduced after an extraordinary instalment on the loan;
  • It is easy to take out the policy together with the mortgage loan at a single point of sale.

Komerční banka is one of the best run universal banks in Central Europe. It provides comprehensive services to clients in the areas of retail, corporate, and investment banking. The Komerční banka Group's 8,815 employees serve more than 2.7 million clients, who can use an extensive network of 398 points of sale throughout the country. Komerční banka currently operates 685 ATMs and more than 984,000 of its clients use one of direct banking channels.

Komerční banka is part of the Société Générale Group, one of the largest banking groups in the euro zone (in terms of market capitalisation), whose 163,000 employees serve more than 30 million individual clients worldwide.