Mortgage Loan
Receive up to CZK 800,000 for anything
  • You can receive up to 100% of the required amount
  • In addition, you can receive up to CZK 800,000 for anything
Home equity loan/Secured loan
Any purpose loan secured by real estate with low interest rates
  • Loans of up to CZK 10 million
  • Loans of up to 70 % of the real estate value

What's the difference between an American mortgage and a classic mortgage

  • Use of money

The main difference is the possibility of using the money. A classic mortgage can only be used for housing-related purposes, typically to buy a house or apartment, renovate your own home or build a new house, all of which needs to be documented.

The American mortgage money can be used for anything, you do not have to submit any invoices or purchase agreements and the bank does not monitor what you use the money for.

  • Interest rate

A classic mortgage is intended for housing only and thus offers a lower interest rate than an American mortgage which can be used for anything.

However, the American mortgage usually has a lower interest rate than a usual personal loan that is not secured by real estate.

  • Amount

With an American mortgage, you can get up to 70% of the property price, while with a classic mortgage it is up to 90% of the property price. The size of the American mortgage can be up to CZK 10 million.

  • Repayment period

The maturity of a classic mortgage can be up to 30 years, while it is up to 20 years for an American mortgage.


Pre-mortgage loans

Short-term loan for the purchase, privatization, construction or reconstruction of real estate.

Purchase price escrow agreement

Eliminates the risk of transferring money during the purchase or sale of a property.