Mortgage Loan

Receive up to CZK 800,000 for anything

Don't spend your money
on someone else's apartment

Interest rate from 5,99% p.a.

Lower interest rate with insurance from Komerční pojišťovna

Up to CZK 800,000 extra for anything

Repay up to 25% of your loan each year free of charge

OTHER MORTAGE LOAN BENEFITS

  • We will also be there for you in any unusual situations. For instance, you may transfer your mortgage loan to children, finance your housing ex post or get a loan for reconstruction

  • Get up to CZK 800,000 for anything

  • Conclude your mortgage loan now and take your time finding the right property –⁠ you have up to 3 years

  • All information about your mortgage loan will always be available in your online banking apps (MojeBanka or Mobilní banka)

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Selected price list items

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Evaluation of a loan application
CZK 2,900
Evaluation of risks related to residential unit / house - express
CZK 1,000
Evaluation of risks related to residential unit / house - standard
CZK 4,500
Loan drawing
free of charge
Credit drawing after proposal for authorization to register loan
free of charge
Credit administration1)
free of charge
Credit account statement electronically
free of charge

HOW TO GET THIS PRODUCT?

By phone

Leave it all up to us. Leave your contact information – we will call you back.

At a branch

Select a branch, leave your contact information – we will call you back.

MojeBanka

Get the service online – directly in the MojeBanka application.

MojeBanka
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USEFUL INFORMATION

You can borrow up to 100% of the amount required to finance your housing-related expenses:

  • Mortgage loan for the purchase of real estate or ownership share
  • Settlement of co-ownership and inheritance claims in connection with a property
  • Mortgage loan for the purchase of a co-op apartment
  • Rent prepayment in connection with the conclusion of a lease
  • Real estate construction, reconstruction, refurbishment, and repairs
  • Consolidation or refinancing of mortgage loans, credits, and housing loans
  • Reimbursement of real estate investments made during a in previous year
  • Ancillary costs (furniture, kitchen cabinets, etc.) up to 30% of the mortgage loan amount

Your frequently asked question

  • Mortgage loan can be drawn on based on an application for the registration of lien
  • Make unscheduled payments of up to 25% of the original mortgage loan amount each year free of charge
  • Lower interest rate with risk life insurance from Komerční pojišťovna, a. s.
  • Free professional consulting services of our mortgage loan specialists
  • We will handle the real estate valuation and title deed for you
  • Case-by-case approach to you and your financing needs
  • Comprehensive services at a single branch
  • Mortgage loan administration and electronic credit/current account statement free of charge
  • Mortgage loan also available for specific purposes – e.g. real estate purchased through auctions or as investments
  • Repay your mortgage loan in full during the period of 3 months prior to the end of your interest rate fixation free of any sanctions

You are only 3 simple steps away:

  1. Arrange a meeting at one of our branches

    We will go over all aspects – from the applicable terms to your visions.

  2. Wait for mortgage loan approval

    We will assess the risk of the security and start drafting the required documents.

  3. Sign agreements

    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.

Model examples

Loan amount CZK 3,200,000, maturity 30 years, fixed interest rate 4.99% p.a, fixation 5 years, APR 5.55 %, total amount payable CZK 6,464,015.20.

1st interest payment CZK 1,774.22

2.-359. annuity installment CZK 17,180,

360th annuity installment CZK 16,700.98.

One-off fees for: arranging a loan of CZK 2,900, real estate valuation of CZK 1,000, proposal for entry in the land register of CZK 2,000, proposal for deletion from the land register of CZK 2,000. Monthly fees for: loan management CZK 0, current account MyAccount CZK 0, el. statements 0 CZK, risk life insurance CZK 800.

The example is calculated on the date of drawing April 11, 2022 and the repayment period of the loan always on the 15th day of the month. Reinsurance - lien on the property, including property insurance.

Development projects

Choose from development projects implemented in cooperation with Komerční Banka and benefit from favourable financing conditions.

LIST OF DEVELOPERS

Good to have

Mortgage loan
without real estate
Look for a new home for up to 3 years
  • Get a mortgage loan now
  • Look for your new home later
Product detail
MojePojištění majetku
Insurance covering property, liability, and damage caused by you or your family
  • Now with discount
    up to 20 %
  • Damages are paid out in the value of new product
  • No risk of underinsurance - your property is always insured for current value
Product detail
Term life insurance for mortgage loans
Insurance coverage for you and your whole family in case you are unable to make loan payments.
  • If you take out insurance to mortgage, you get 0,1 % p.a. lower interest rate
  • Also for all existing mortgages and loans
Product detail