Personal Loan

• Receive any amount from CZK 30,000 to 2,500,000
• Maximum maturity of 8 years
• Current account in KB is required

• 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.

• Get your loan online or within 30 minutes at a branch
• Spread loan repayment over a period at your discretion
• Select your own date for instalment payments
• You can repay the loan early – either in full or in part – at any time and without sanctions

Eligible loan applicants

You must have a current account in KB, be a Czech national, or have permanent residence / residence permit in the Czech Republic.

Necessary documents

• Two identity documents (e.g. your identity card and passport)
• Proof of income or a tax return (including a tax payment confirmation)

Download:

I need the forms for product opening (PDF, 87 kB)