Optimal loan

Rules for the bonus payment (Czech version only, 98 kB, PDF)

• Optimal Loan is intended for loan consolidation or refinancing
• Consolidate loans amounting from CZK 30,000 to CZK 2,500,000
• Loan refinancing also applies to credit cards and overdrafts
• With loan consolidation, you can get additional funds that can be used for anything
• Maximum loan term of up to 10 years
• It is advisable to get payment protection insurance with your loan
• Find out the current interest rate in our calculator

• Where can you find information about your loan?

  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.

• What day is your instalment payment due?

  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.

• Would you like to change the payment date?

  To change your instalment payment date, visit a KB branch. We recommend aligning your payment date with your pay date.

• No payment made?

  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.

• Are you unable to make payments?

  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.

• Have you lost your job?

  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.  

• Would you like to assign your loan to someone else?

  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.

• Do you have any other questions?

  Contact your relationship manager or call our information line at 800 521 521.

• Consolidate all your liabilities to lower your total monthly payments
• Overview of all your existing liabilities as a result of the consolidation process
• Save on fees associated with your existing loans
• No fees for loan processing or maintenance
• Benefit from an attractive interest rate
• Set your own instalment payment date, for instance, right after your payday
• Repay your loan early at any time without any fees

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.

Eligible applicants

You must be a Czech national or have a permanent residence/residency permit.

Necessary documents

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.

Download:

I need the forms for product opening (ZIP, 19,3 kB)