Loan amount: CZK 3,000,000; loan term: 30 years; fixed interest rate of 2.99% p.a.; fixation: 5 years; APR: 3.51%; total amount due: CZK 4,820,099.82. First payment (interest only): CZK 3,488.33; payments no. 2 – 359 (annuity): CZK 12,654; last payment no. 360: CZK 12,479.49. One-off fees: loan processing: CZK 0; real estate valuation: CZK 0; application for registration in the Land Register: CZK 2,000; application for removal from the Land Register: CZK 2,000. Monthly fees: loan administration: CZK 0; MůjÚčet current account: CZK 0; electronic bank statements: CZK 0; risk life insurance CZK 750. The aforementioned example is calculated for a loan drawn on 1 October 2021 and loan payments made on the 15th day of each month. Security – lien on real estate, incl. property insurance. Special terms apply to mortgage loan contracts concluded from 20 September to 30 November 2021.