Save up to several
thousand a month
OUR CLIENTS USUALLY SAVES
CZK 5000 monthly*
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)
A representative example:
Examples for fixed interest rates ranging from 4.9% p.a. to 9.9% p.a.
The examples are calculated for a loan amounting to CZK 100,000 with maturity of 8 years; the loan is drawn down on 1 February 2019 and monthly payments are made on the 20th day of each month. No one-off loan processing fee applies. No monthly fees for loan administration, MůjÚčet current account and electronic account statements.
Fixed interest rate (p.a.)
1st payment – interest only
Annuity payment no. 2 through 95
Annuity payment no. 96
Total amount due
CZK 1 273,00
CZK 1 167,20
CZK 121 087,81
CZK 1 321,00
CZK 1 208,99
CZK 125 694,38
CZK 1 370,00
CZK 1 259,96
CZK 130 404,13
CZK 1 420,00
CZK 1 319,88
CZK 135 216,82
CZK 1 471,00
CZK 1 388,39
CZK 140 132,11
CZK 1 523,00
CZK 1 464,61
CZK 145 149,11
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