• PLUS Mortgage Loan – obtain up to 100 % for your house

    We will help you fulfil your dreams.

    Wanting to live in your own home, but being unable to obtain a mortgage loan as a single applicant?
    Our Mortgage Loan concluded with your parents or relatives enables us to provide you 100 % of the amount needed to purchase your property.


    • Guarantees for parents and relatives – release of their property following a partial mortgage loan repayment, subject to the terms and conditions agreed in the contract
    • Option of a free partial early repayment to release the guarantee of the parents at any time during the mortgage loan
  • Topping up your current mortgage loan

    Obtaining additional funds is easy.

    Do you have a mortgage loan with us? Would you like to top it up?

    Our offer means additional funding at a favourable interest rate for you. On top of that, we will not request a new valuation of your property or a pledge agreement.

  • A lower interest rate than your old mortgage

    We will pay off your previous mortgage and replace it with a more favorable interest rate with a rate 4.79% p.a.

    This rate mortgages you get it from CZK 1 000 000 and up to 80% of the property value.

    What affects the interest rate?

    • Percentage of the property’s value you are planning to borrow
    • Amount you plan to finance

    Benchmark interest rates:

    FixationInterest rate
    3 yearsfrom 4.79% p.a.
    5 yearsfrom 4.79% p.a.
    7 yearsfrom 4.79% p.a.
    10 yearsfrom 4.79% p.a.
  • Extraordinary installment free of charge

    Pay your mortgage even faster - without charge

    And not only in period of interest rate changes (fixation). You can prepay once a year amount up to 25% of the loan amount (always in the 30 days before the anniversary of signing the mortgage contract).

  • Refinancing of mortgage is free

    We arrange a refinancing of mortgage for free. 

    In addition, you get:

    • free mortgage origination
    • free management and administration of your mortgage loan
    • except from the Land Register to draw the mortgage loan, which we will also secure for you
    • free 1-4 draw period
    • free current account in CZK and free card withdrawals from all ATMs
  • Lock in a special rate up to 24 months in advance

    Refinancing your mortgage doesn’t have to wait - it can adapt to your needs.

    Lock in your mortgage rate now, even if the fixed interest term of your old mortgage isn’t over for many months. Don’t wait until mortgages become more expensive again.

    If you need more money to renovate your property, we can increase your mortgage amount.

    Basic parameters for the transfer of your mortgage:

    Mortgage amountfrom 300 000 CZK to 90% of the value of your property
    Drawdownup to 24 months after your loan is approved - Assigned on account of your current lender + Up to 20% financing for small renovations is added to your account without proof of invoices 
    Interest ratesa fixed term of 3, 5, 7 and 10 years
    Length of repaymentfrom 5 to 30 years
    Repaymentmonthly annuity payment, fixed for the duration of the interest rate
    Securityresidential property, completed and approved, in good condition

    Variations of mortgage

    Mortgage PROPRO loan for entrepreneurs
    Mortgage FITFIT Mortgage can take into account your credit history and minor registry entries
  • Property estimate

    We offer online appraisal of apartments for free and accept original estimates.

    Our mortgage advisors will be happy to explain the terms of each option.

    If it is necessary to prepare a standard property estimate, you can contact our cooperating​​​​​​​ external appraisers.

  • Preferred mortgage insurance

    With mortgage insurance, avoid any concerns that might compromise your budget.

    Combined with your mortgage payment, you can arrange convenient payment protection insurance, property, and home insurance.

  • Refinance quickly and conveniently

    Easily transfer your mortgage without complicated paperwork.

    If you have a mortgage for more than one year, there is usually only one document to deal with - the current mortgage contract. The property details will be handled for you.

    Refinancing your mortgage can be arranged at any of our branches. Make an appointment with a mortgage adviser through our contact form by clicking on the button "Contact an Advisor".

Representative example

Loan amount: CZK 2,000,000; term: 30 years; total number of instalments: 361; monthly payment: CZK 10,724; five-year fixed interest rate: 4.99% p.a.; APR: 5.14%; total amount to be paid by the consumer: CZK 3,872,488. Fees associated with the loan: zero fee for provision of the mortgage loan; zero monthly account management fee; zero mortgage management and administration fee; zero monthly fee for payment protection insurance. In addition to the above, you will incur the following costs in connection with the mortgage: assumed costs for real estate appraisal in the amount of CZK 5,000 (in case of a residential unit); costs of registration of the mortgage right concerning the real estate in the Land Registry in the expected amount of CZK 2,000; fee paid to the bank for sending the instruction to de-register the mortgage right and other rights from the Land Registry upon termination of the mortgage loan in the expected amount of CZK 500 together with the costs of the proceedings before the Land Registry Office in the expected amount of CZK 2,000; costs of authentication of signatures in the expected amount of CZK 30; costs of an extract or copy of an entry from the Land Registry in the amount of CZK 300. All of the above items are included in the APR. In addition, property insurance is required. The loan is secured by a mortgage right concerning the real estate.