A lower interest rate than conventional loansSave more money with a lower interest rate.
Our Non-specified Mortgage (the "American Mortgage") offers you a lower interest rate than conventional consumer loans. Establish your real estate loan and you can borrow anything. With our non-specified mortgage, you can get up to 70% of the value of your property.
What affects the interest rate?
- Percentage of the property’s value you are planning to borrow
- Length of time the interest rate is set (fixation)
- Amount you plan to finance
Benchmark interest rates:
Fixation Interest rate 1 year from 3,99% APR / refinancing from 3,99% APR 3 years from 3,79% APR / refinancing from 3,79% APR 5 years from 3,79% APR / refinancing from 3,79% APR 
Extraordinary installment free of chargePay 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).
A mortgage without unreasonable feesThings that you usually pay for with most mortgages, are free with ours.
With our mortgage 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. drawdown
- free checking account and card withdrawals from all ATMs
How you use the money is up to youThe mortgage terms are simple and clear.
An unspecified mortgage is perfect for a car purchase, home renovations, or for education expenses.
Basic parameters of a non-specified mortgage
Mortgage amount from 200 000 CZK up to 70% of the value of your property Drawdown up to 6 months after loan approval Interest rates a fixed term of 1, 3, or 5 years Length of repayment 5 to 20 years Repayment monthly annuity payment, fixed for the duration of the interest rate Security residential property, completed and approved, in good condition
Mortgage options
Mortgage PRO PRO loan for entrepreneurs Mortgage FIT a FIT Mortgage can take into account your credit history and minor registry entries 
Property estimateOur mortgage advisors will advise you with ensuring a property estimate.
Overview of cooperating external appraisers.
Don’t let your mortgage jeopardize your budgetWith insurance, you can avoid any concerns that might compromise your budget.
With your mortgage you can arrange for convenient payment protection insurance, as well as property and home insurance.
Easy mortgageAt our first meeting we will help you to evaluate the best mortgage options for you.
You can apply for a mortgage at any one of our branches. Make an appointment with a mortgage adviser through our contact form by clicking on the button "arrange a meeting".
Loan amount: CZK 1,000,000; term: 20 years; total number of instalments: 241; monthly payment: CZK 6,055; five-year fixed interest rate: 3.99% p.a.; APR: 4.15%; total amount to be paid by the consumer: CZK 1,465,443. 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 fee. 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 4,200 (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 teproceedings 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.
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