• Mortgage Loan

    A new home – no longer just a distant wish.


Option of yearly exceptional repayment of 25%.

2 in 1

Get up to CZK 400,000 extra for anything.

We will call you

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Take advantage of record-low interest rates.


I'm interested in a loan

CZK monthly

Interest rate % (calculation is approximate)
Detail calculation

Why KB?

Get help

Our advisors will be happy to assist you with complicated cases.


We finance acquisition, construction, reconstruction, inheritance/community property settlement, and others.

No rush

You have 24 hours from your agreement date to use your loan in full.

How to get this product?

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

At a branch

Get the service online – directly in the MojeBanka application.


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

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Komerční banka provides mortgages for a wide range of situations.

We will grant you a loan for:

  • buying a real property (or a co-ownership share)
  • settlement of co-ownership and heritage claims on a real property
  • buying a cooperative apartment
  • pre-paying rent in order to conclude a lease agreement
  • construction of a real property (either by yourself or a turnkey project)
  • refurbishment, modernization and repairs of real properties
  • consolidation or refinancing of previously provided loans or credits used for investments into housing
  • refunding of previously paid real property investments no older than 1 year
  • secondary costs related to real property investments (furniture, kitchen...) up to 50% of the mortgage loan

You might also like to know

Mortgage by Komerční banka includes full service and offers the following benefits:

  • Option of yearly exceptional repayment of 25%
  • Reduce your tax base by interest rate paid
  • Partial or full early loan repayment without any sanctions upon interest rate expiration
  • Comprehensive service within a single branch
  • Mortgage up to 90% of the value of pledged real properties
  • Draw on the loan upon petition for right of lien registration already
  • Lower interest rate with life insurance by Komerční pojišťovna, a.s.


The repayment period of a Mortgage Loan is between 60 and 360 months.

Loan amount CZK 2,000,000, maturity 30 years, fixed interest rate 2.49% p.a., fixation 5 years, APRC 2.54%, total repayable sum CZK 2,845,383.89. 1st interest repayment CZK 968.33, 2nd - 359th annuity repayment CZK 7,907, 360th annuity repayment CZK 7,809.56. One-time fee for: loan processing CZK 2,900, 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 08/11/2017 and the loan repayment date is always on the 15 thday of the month. Security – right of lien for the real estate, including real estate insurance.

Specific conditions

You must be 18 years of age or older to apply for the product.

MojePojištění majetku

Protect your property against any unforeseeable situations and events.


Payment Protection Insurance

Term life insurance that provides protection to you and your loved ones in the event of sudden adverse events.



Internet banking for full account administration and execution of banking transactions anytime and anywhere.



Detailed KB pricelist and interest rates.


We will tailor the mortgage to suit your specific requirements.

Choose your preferred variant:

  • Mortgage loan with advance payments – real estate construction or reconstruction on your own
    • How does it work?
      1. Present your budget
      2. Funds will be transferred to your current account
      3. Specific purpose is documented after the given work is completed
  • Flexible Mortgage Loan – a loan that will adapt to you! You can lower your monthly payments or take payment holiday for up to 3 months.
  • 2 in 1 Mortgage Loan – get money to finance your home as well as other associated purchases, with up to CZK 400,000 for anything and at the same low interest rate as for your mortgage loan.
  • Reverse Mortgage – get back investments already made in connection with your housing (in the past 12 months). The money may be used for anything. Moreover, this mortgage loan type may also be combined with other types (Flexible or 2 in 1).
  • Construction without invoices – suitable for construction and reconstruction carried out by yourself (even partially).
    • You can easily transfer the money to your current account
    • The purposeful use of utilized funds is checked by a KB contractual appraiser
    • Up to 90% of the real estate value
  • Refinancing mortgage – easy to conclude, low interest rate and free application assessment, appraisal, loan administration and drawing for an application for entry.