Non-purpose Mortgage

  • Documents from the Land Register free of charge

    We will pay the fees from the Land Register for you!

    You will be exempt from the following fees:

    • Entry of the pledge in the Land Register in favour of the bank
    • Excerpt from the Land Register to draw the mortgage loan
    • Excerpt from the Land Register after drawing the entire mortgage loan

    You do not need to go to the Land Register. We will secure the excerpts for you. 

    ​​​​​​​More on paying the fees of the Land Register can be found in our Campaign Conditions..

  • A lower interest rate than conventional loans

    Save 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:

    FixationInterest rate
    1 yearfrom 3,99% APR / refinancing from 3,99% APR
    3 yearsfrom 3,79% APR / refinancing from 3,79% APR
    5 yearsfrom 3,79% APR / refinancing from 3,79% APR

  • 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).

  • A mortgage without unreasonable fees

    Things 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
    • Free 1. - 4. drawdown
    • free checking account and card withdrawals from all ATMs

  • How you use the money is up to you

    The 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 amountfrom 200 000 CZK up to 70% of the value of your property
    Drawdownup to 6 months after loan approval
    Interest ratesa fixed term of 1, 3, or 5 years
    Length of repayment5 to 20 years
    Repaymentmonthly annuity payment, fixed for the duration of the interest rate
    Securityresidential property, completed and approved, in good condition


    ​​​​​​​Mortgage options
    ​​​​​​​

    Mortgage PROPRO loan for entrepreneurs
    Mortgage FITa FIT Mortgage can take into account your credit history and minor registry entries

  • Property estimate

    Our mortgage advisors will advise you with ensuring a property estimate.

    Overview of cooperating external appraisers.

  • Don’t let your mortgage jeopardize your budget

    With 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 mortgage

    At 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".

Arrange a meeting

Representative example

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: 4.12 %; total amount to be paid by the consumer: CZK 1,460,402. 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 3,900 (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 0; 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 1,000; 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 0. 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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