Our advisors will be happy to assist you with complicated cases.
We finance acquisition, construction, reconstruction, inheritance/community property settlement, and others.
You have 24 hours from your agreement date to use your loan in full.
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
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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 1,800,000, maturity 301 months, fixed interest rate 1.99% p.a., fixation 5 years, APRC 2.04%, total repayable sum CZK 2,293,444.74. 1st interest repayment CZK 1,393, 2nd - 300th annuity repayment CZK 7,621, 301st annuity repayment CZK 7,472.74. 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 0. 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 15 thday 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.
You must be 18 years of age or older to apply for the product.
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.