Based on your budget
Spread the loan repayment over a term that suits you best.
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Loan with clear rules
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Personal Loan is solely for one’s personal, non-business needs.
Loan applicants must be Czech citizens or individuals with permanent residence/residence permit in the Czech Republic.
Get two identity documents ready – such as your ID card and passport.
Proof of income
You also need a confirmation of income or last tax return year including a tax payment confirmation.
About Personal Loan
- Cashless loan ranging from CZK 30,000 to 2,500,000
- Loan intended for Czech citizens or individuals with permanent residence/residence permit in the Czech Republic for their non-business needs
- Maximum loan term of 6 years
- Loan is always repaid from a KB current account
- Security many not be required for loans of up to CZK 2,500,000
- Loan can be secured (e.g. guarantee, KB deposit or building savings with Modrá pyramida stavební spořitelna)
You might also like to know
- Get your loan quickly – even within 30 minutes if you have a preapproved credit limit
- Your preapproved credit limit has also another advantage – you can get your loan online with MojeBanka internet banking and Mobilní banka
- Early repayment (partial or full) without any penalties.
The repayment period of a Personal Loan is between 12 and 96 months. The maximum APRC level for the below-mentioned loan is 7.14%, with a loan maturity of only 12 months. You can find a detailed overview in the calculator.
Loan amount CZK 100,000, maturity 6 years, fixed interest rate 6.9% p.a., APRC 7.13%, total repayable sum CZK 122,436.01. 1st interest repayment CZK 364.17, 2nd – 71st annuity repayment CZK 1,720, 72nd annuity repayment CZK 1,671.84. One-time fee for: loan processing CZK 0. Monthly fees for: loan administration CZK 0, MůjÚčet [MyAccount] 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 free within the MojeOdměny [MyRewards] concept.