Home equity loan/Secured loan

Any purpose loan secured by real estate with low interest rates 
Do not give money for renting 
someone else's apartment

Individual interest rate

Funds can be used for anything

Loans of up to CZK 10 million

Loan tenure of up to 20 years

Loans up to 70% of the real estate value

OTHER BENEFITS OF HOME EQUITY LOANS/SECURED LOANS

  • Funds can be used for any investment or loan consolidation

  • Up to 24 months from signing a loan agreement to utilising your loan

  • Pay instalments on any day that suits you (for instance, right after your payday)

  • Spread your instalments over a period that best suits your needs

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Evaluation of a loan application
CZK 2,900
Evaluation of risks related to residential unit / house - standard
CZK 4,500
Loan drawing
free of charge
Credit drawing after proposal for authorization to register loan
free of charge
Credit administration1)
free of charge
Credit account statement electronically
free of charge

HOW TO GET THIS PRODUCT?

By phone

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At a branch

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USEFUL INFORMATION

  • Loan for any non-business purpose or consolidation of loans
  • Receive up to 70% of the real estate open market value
  • Loan amount between CZK 200,000 and 10,000,000
  • Utilise loan funds for up to 24 months
  • Loan tenor of up to 20 years
  • Instalments on any day that suits you (e.g. right after your payday)
  • Money is transferred directly to your current account (or accounts of consolidated debts, as appropriate)
  • Repayment solely from your KB current account

This loan is intended for Czech citizens, foreign nationals with a permanent residence permit, and EU citizens with a temporary/permanent residence permit in the Czech Republic.  

Present the following:

  • 2 identity documents, e.g. your identity card and passport
  • Proof of income or the last tax return, including a tax payment confirmation 

Download documents:

Income confirmation (form) - (PDF, 87 kB)

Application for granting a loan (form) – Czech version only (PDF, 92 kB)

Insurance conditions for American Mortgage (PDF, 172 kB)

Model example

Loan amount CZK 1 500 000, maturity 20 years, fixed interest rate 4.19% p.a, fixation 5 years, APR 4.82%, total amount payable CZK 2,314,660.44. 1st interest payment CZK 2,444.17, 2.-239. annuity installment CZK 9,266, 240th annuity installment CZK 9,008.27​. One-off fees for: arranging a loan of CZK 2,900, real estate valuation of CZK 1,000, proposal for entry in the land register of CZK 2,000, proposal for deletion from the land register of CZK 2,000. Monthly fees for: loan management CZK 0, current account MyAccount CZK 0, el. statements 0 CZK, risk life insurance 375 CZK. The example is calculated on the date of drawing August 1, 2020 and the repayment period of the loan always on the 15th day of the month. Reinsurance - lien on the property, including property insurance.​​

Good to have

Term life insurance for mortgage loans
Insurance coverage for you and your whole family in case you are unable to make loan payments.
  • If you take out insurance to mortgage, you get 0,1 % p.a. lower interest rate
  • Also for all existing mortgages and loans
Product detail