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Do not pay rent for someone else’s flat
INDIVIDUAL INTEREST RATE
Lower interest rates with a KB life policy
In addition, you can receive up to CZK 400,000 for anything
You can repay 25% of your loan each year
You can use the mortgage to buy and build real estate, renovate it, buy a cooperative apartment, settle inheritance and use it for ancillary costs.
The mortgage can also be used for specific purposes such as a purchase of a property at auction or an investment purchase.
Get full service in one place. You can read how everything goes in the Housing Guide (cz version).
You can deduct the paid interest from your tax base.
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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.
You can receive up to 90% of the amount required for housing-related expenses:
Mortgage Loan variants
We will provide you with funds for self-build construction or refurbishment based on a budget. The actual purpose is documented after the completion of specific work.
Reduce your payments by up to 50% or make no payments for up to 3 months.
You can receive up to CZK 400,000 for other purchases unrelated to housing at the same interest rate.
We will refund your housing-related expenses paid in the past 12 months. Combine this product with the Flexible Mortgage Loan or Mortgage Loan 2 in 1.
Get funds for your self-build construction or refurbishment projects. The specific use of the provided funds is verified by a contract valuer.
Simple process and low interest rates – application assessment, valuation, loan administration, and loan drawdown based on a petition for mortgage registration, all free of charge.
Repayment
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. Payments are usually made on the 10th or 15th day of each month (or the 25th day of each month for older agreements).
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 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.
You are only 3 simple steps away:
We will go over all aspects – from the applicable terms to your visions.
We will assess the risk of the security and start drafting the required documents.
Finally, you have to sign 3 agreements (loan agreement, security agreement, and the petition for mortgage registration).
For the entire process and useful tips, see our housing guide.
For more information, see the documents.
Documents to download:
Mortgage Insurance terms and conditions (PDF, 202 kB)
Links:
I need the mortgage form
Developer projects
A Guide to Housing
Model example
Loan amount 2 000 000 CZK, maturity 30 years, fixed interest rate 2,79% p.a, fixation 5 years, APR 3,51%, total amount payable 3 134 563,03 CZK. 1st interest payment 930 CZK, 2.-359. annuity installment 8222 CZK, 360th annuity installment 8157,03 CZK. One-off fees for: arranging a loan of CZK 0, real estate valuation of CZK 0, proposal for entry in the land register of CZK 1,000, proposal for deletion from the land register of CZK 1,000. Monthly fees for: loan management CZK 0, current account MyAccount CZK 0, el. statements 0 CZK, risk life insurance 500 CZK. The example is calculated on the date of drawing 9.8.2019 and the repayment period of the loan always on the 15th day of the month. Reinsurance - lien on the property, including property insurance.
The fee waiver applies to applications submitted from 29 July to 31 Aug 2019 when signing the contract by 31 Oct 2019.
Choose from development projects implemented in cooperation with Komerční Banka and benefit from favourable financing conditions.
Support
Repayment of the mortgage loan
Mortgage loan outstanding balance
Selling apartment
Certification wizard
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Documents
Contacts
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