with no fees
Interest rate from 3,8 %
Possibility to lower your interest rates and instalments
Receive additional funds for anything
Set your own payment date, for instance, right after your payday
We will consolidate your loans of up to CZK 2,500,000
All your loans will turn into one. You will save on loan instalments and account maintenance fees. You do not need to worry about payment dates or loan termination with your existing banks - we will handle everything for you.
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Leave it all up to us. Leave your contact information – we will call you back.
Select a branch, leave your contact information – we will call you back.
Get the service online – directly in the MojeBanka application.
Everything you need to know is available in the MojeBanka internet banking and Mobilní Banka mobile banking applications. Detailed information is also specified in your loan agreement.
The specific instalment payment day is shown in your internet / mobile banking. In general, consumer loans are repaid on the 8th, 12th, 16th or 20th day of each month.
To change your instalment payment date, visit a KB branch. We recommend aligning your payment date with your pay date.
In case we do not receive your instalment payment in time we will notify you via a text message and e-mail free of charge. You can then immediately pay any outstanding amount and prevent registration in the credit bureau registers, written reminders, and sanctions.
Payment protection insurance will protect you in the event of injuries, long-term incapacity for work, job loss, and other adverse events. The insurance company will pay the relevant instalments or outstanding loan amount, as appropriate, for you. We recommend that you regularly set aside at least 10% of your income to cope with unexpected situations.
Please address the situation as soon as possible. In case you know it is a temporary problem it is possible to agree on postponement of payments. If you have Payment protection insurance the insurance company will pay the relevant instalments or the outstanding loan amount, as appropriate, for you.
The assignment shall be subject to acceptance of the new debtor (i.e. the debtor’s ability to repay the loan) by the bank or the provision of sufficient security.
Contact your relationship manager or call our information line at 800 521 521.
The original monthly installments of the client were CZK 7,800. After consolidation of all products, we received monthly repayment of CZK 2,739, the monthly savings of the client is CZK 5,159.
Which products have we consolidated?
Note: Loan amount CZK 200,000, maturity 8 years, fixed interest rate 5.90% p.a., APRC 6.07%, total repayable sum CZK 251,152.24. 1st interest repayment CZK 360.56, 2nd - 95th annuity repayment CZK 2,641, 96th annuity repayment CZK 2,537.68.
You must be a Czech national or have a permanent residence/residency permit.
Present 2 identity documents (e.g. your identity card and passport), proof of income or a tax return (including a tax payment confirmation), and documentation relating to your existing loans.
I need the forms for product opening (ZIP, 19,3 kB)
Loan amount CZK 550,000, maturity 10 years, fixed interest rate 3.80 % p.a, APR 3.87 %, total amount due CZK 662,072.28. 1st interest installment 1,103.06 CZK, 2.–119. annuity installment 5,555 CZK, 120th annuity installment 5,479.22 CZK. Monthly fees for: loan management CZK 0, current account maintenance of MůjÚčet 0 CZK, electronic statements 0 CZK. The example is calculated for the date of drawing on the May 1, 2020 and the repayment period of the loan always on the 20th day of the month. In the case of a loan based on online application no one-off arrangement fee is charged.
We are providing loans with maturity from 12 to 120 months and APR up to 14.88 %.
My loan payment is not made in time
Repay my loan early
How often do I have to pay my authorised overdraft balance in full?
Change loan maturity date
MůjÚčet Plus one year for free and Bonus Invest account with interest of up to 3% up to CZK 3 million