• Garant Loan

    General purpose loan secured with real estate that offers better terms compared to other consumer loans.

Anything – For any purpose

Get funds for anything that does not relate to business activities.

Up to CZK 10,000,000

Draw from CZK 200,000 to 10,000,000.

Lower interest rate

Pay lower interest compared to other consumer loans.

Longer term

Loan term is longer compared to other loans – even up to 20 years.

Why KB?

Pay as you need

Spread out the loan repayment over a period that suits you best.

Any purpose

Draw funds for larger investment in housing or consolidation of personal loans.

Repay early

Early repayment (partial or full) without any penalties.

How to get this product?

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

At a branch

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

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Loan purpose

The bank does not examine loan purpose. However, it is intended solely for personal (i.e. non-business) purposes.

Examples

It is suitable for larger investments in housing or consolidation of personal loans.

Intended for

Czech citizens, foreign nationals with permanent residence and EU citizens with temporary / permanent residence permit in the Czech Republic.

Documents

Get two identity documents ready – such as your ID card and passport.

Proof of income

You will also need a confirmation of income or last tax return, including confirmation of tax payment.

Personal Loan

Get a quick personal loan within 30 minutes and draw up to CZK 2,500,000 without security.

Detail

Optimal Loan

Consolidate your loans and you'll save several thousand crowns per month while being able to spend time on the things you actually like.

Detail

Pricelist

Detailed KB pricelist and interest rates.

Detail

About Garant Loan

  • Consumer loan from CZK 200,000 to 10,000,000
  • Loan intended for Czech citizens, foreign nationals with permanent residence and EU citizens with temporary / permanent residence permit in the Czech Republic.
  • Solely for non-business purposes
  • Interest rate of 5.99% p.a. (as of 25 November 2013)
  • Funds transferred directly to client’s current account
  • Maximum loan term of 20 years
  • Repayment solely from a KB current account
  • Secured with non-commercial real estate
  • Loan amount of up to 70% of the real estate regular price

You might also like to know

  • Bank does not examine the loan purpose – it can be used for anything, such as investment in your own housing or consolidation of personal loans
  • Higher loan amounts available
  • Spread your payments over a period that suits you
  • Select the payment day (e.g. after payday)
  • Lower interest rate and longer loan term compared to other consumer loans
  • Loan may be partially or fully repaid early without any sanctions

Example

The repayment period of a Garant Loan is between 12 and 240 months.

Loan amount CZK 1,200,000, maturity 181 months, fixed interest rate 5.99% p.a., APRC 6.28%, total repayable sum CZK 1,834,335.57. 1st interest repayment CZK 3,793.67, 2nd - 180th annuity repayment CZK 10,120, 181st annuity repayment CZK 10,061.9. One-time fee for: loan processing CZK 6,000, real estate appraisal CZK 1,000, application for entry into the land register CZK 1,000, request for deletion from the land register CZK 1,000. Monthly fees for: loan administration CZK 0, MůjÚčet current account CZK 0, electronic statements CZK 0. The example is calculated using the drawdown date of 01/12/2016, and the loan repayment date is always on the 20th day of the month. The MůjÚčet current account is for free within the MojeOdměny concept. Security – right of lien for the real estate, including real estate insurance.

Products to Compare

Personal Loan

Get a quick personal loan within 30 minutes and draw up to CZK 2,500,000 without security.

Detail

Optimal Loan

Consolidate your loans and you'll save several thousand crowns per month while being able to spend time on the things you actually like.

Detail