Home equity loan/Secured loan

Any purpose loan secured by real estate with low interest rates starting at 4.69%

Lower interest rates
compared to standard loans
due to real estate used as collateral

FROM 4,69%

Funds can be used for anything

Loans of up to CZK 10 million

Loan tenor of up to 20 years

Loans of up to 70% of the real estate value


  • Funds can be used for any investment or loan consolidation

  • Up to 24 months from signing a loan agreement to utilise 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


Selected pricelist items

Evaluation of a loan application
CZK 2,900
Evaluation of risks related to Residential unit / house - standard
CZK 4,500
Drawing a loan
Free of charge
Drawing a loan on a deposit proposal
CZK 1,500
Credit administration
Free of charge
Credit account statement - Electronically
Free of charge


By phone

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At a branch

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  • 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)

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