Do not pay rent for
someone else’s flat
You can receive up to 90% of the required amount
You can repay 25% of your loan each year
In addition, you can receive up to CZK 400,000 for anything
Lower interest rates with a KB life policy
Buying a real property, or building it on the basis of both self-build and turnkey delivery
Settling inheritance claims
Refinancing your existing mortgage loan
Purchasing a cooperative flat
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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.
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)
ForArch 2017 competition rules (PDF, 300 kB)
I need the mortgage form
A Guide to Housing
Mortgage loan outstanding balance