Refinance with us
and get better terms

Interest rate from 5,99% p.a.

Swifter approval process compared to the original loan

Increase your existing mortgage loan amount or modify loan terms

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

Refinancing – example

  • Mortgage loan amount: CZK 3,200,000
  • Loan term: 30 years
  • Average monthly payment: CZK 17,180
  • Fixation: 5 years
  • Fixed interest rate: 4.99% p.a.
  • APR: 5,55%
  • See whole example



  • Our mortgage loan specialists will also be there for you in any unusual situations

  • Get up to CZK 800,000 for anything with your loan

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

  • Refinance one or several loans at once

Selected price list items

Evaluation of a loan application
free of charge
Evaluation of risks related to residential unit / house - express
free of charge
Evaluation of risks related to residential unit / house - standard
free of charge
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


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.


Get the service online – directly in the MojeBanka application.



You can borrow up to 90% of the amount required to finance your housing-related expenses:

  • Purchase of real estate or ownership share
  • Settlement of co-ownership and inheritance claims in connection with a property
  • Purchase of a co-op apartment
  • Rent prepayment in connection with the conclusion of a lease
  • Real estate construction
  • Real estate reconstruction, refurbishment, and repairs
  • Consolidation or refinancing of housing loans and credits
  • Reimbursement of real estate investments made during a in previous year
  • Ancillary costs (furniture, kitchen cabinets, etc.) up to 50% of the mortgage loan amount  

Frequently asked questions

  • 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  
  1. Visit our branch
    We will go over your needs and vision as well as any applicable terms and conditions.
  2. Mortgage loan approval
    We will assess the collateral (security) risk as well as your income and expenses, incl. an investment project, and prepare any necessary contractual documents.
  3. Signing of contracts
    Finally, you will sign the ESIS (European Standardised Information Sheet), Mortgage Loan Contract, Pledge Agreement, and Application for Registration of Lien.

You can review the whole process, incl. useful tips, in our Guide to housing.

For more information, see associated Documents.

Model example

Loan amount CZK 3,000,000, maturity 30 years, fixed interest rate 3,99% p.a, fixation 5 years, APR 4,52%, total amount payable CZK 5,420,833.15​. 1st interest payment CZK 4,655, 2.-359. annuity installment CZK 14,326, 360th annuity installment CZK 14,220.15. 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 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 750 CZK. The example is calculated on the date of drawing November 1, 2021 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.

Good to have

2-in-1 Mortgage Loan
Combine a mortgage loan
with additional funds, e.g. for furnishings
  • In addition, you can receive up to CZK 800,000 for anything
  • Extra money at a better interest rate than a regular loan
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
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