Classic Mortgage

Interest rate offer valid for 30 days

We guarantee the offer rate for 30 days. So you have time to think things over and make a decision.

Quickly and easily online

You can discuss the mortgage with our mortgage advisor or handle everything quickly and easily online through your banking or on our website.

Without worries

We will arrange the valuation of the property for you, you can also send us the documents electronically.

Mortgage options

Classic mortgage

The most popular mortgage option. As well as buying or building your own home, you can also use a Classic mortgage to settle ownership relationships or to buy a share in a housing cooperative.

You can borrow up to CZK 20 million.
You can use up to 20% of your mortgage for anything, including home furnishings.
Repayments can be spread over 5–30 years.
You can fix the interest rate for 1–7, 10 or 15 years.
Up to 4 people can apply for a mortgage together (from a maximum of two households).

Reverse mortgage

Reverse Mortgage

Get a mortgage even if you haven't found your dream home yet.
You can then choose the ideal house or apartment and draw the mortgage without delays.
You will have the money faster than other buyers and won't miss an opportunity that will not be repeated.

You can borrow up to CZK 20 million.
You can repay the loan for up to 30 years.
You have 23 months to look for a property and 24 months to use the mortgage.
You can finance the purchase of an apartment, a house or a cottage.

Pre-mortgage loan

It is useful if you are building a prefabricated house or a wooden house and you need to take out a mortgage but the value of the collateral is not yet sufficient.
You can bridge this period with a pre-mortgage loan.

You can borrow up to CZK 4 million.
We will provide you with a pre-mortgage loan for up to 24 months.
If your property is not yet worth enough to secure the loan, you pledge the land on which the property will be built.
When the property is worth enough, you convert the loan into a mortgage secured on the property. With a secured mortgage, you can borrow up to CZK 20 million.

Classic mortgage

Reverse mortgage

Pre-mortgage loan

Classic Mortgage

The most popular mortgage option. As well as buying or building your own home, you can also use a Classic mortgage to settle ownership relationships or to buy a share in a housing cooperative.

You can borrow up to CZK 20 million.
You can use up to 20% of your mortgage for anything, including home furnishings.
Repayments can be spread over 5–30 years.
You can fix the interest rate for 1–7, 10 or 15 years.
Up to 4 people can apply for a mortgage together (from a maximum of two households).

Are you financing an energy-efficient property with a mortgage?

Take advantage of the Responsible Mortgage.
Calculate your mortgage using our calculator and request an offer. When you provide us with the energy label of the financed property, a mortgage advisor will assess it, and if it meets the conditions of the Responsible Mortgage, we will give you a discount of 0.10% on the interest rate.

Enhance your mortgage

What can you add to tailor your mortgage to your needs?

Better interest rate for energy efficient housing

We support energy-efficient housing with a lower interest rate.

More information

Offset Mortgage

Combine a mortgage with a savings account. The more you save, the smaller your mortgage payment will be.

More information

Floating interest rate

When interest rates fall, your mortgage payments will automatically decrease.

More information

How to arrange a mortgage

Offer with Guaranteed Rate

You can calculate your mortgage in our calculator, where you can easily find out how much we can lend you. We will send you the offer via email right after you click on "Získat nabídku" and fill in a few details. Our offer does not bind you to anything, while we guarantee you the interest rate for 30 days

Calculate mortgage

Fill Out the Application

From the guaranteed offer, you can smoothly proceed to the mortgage application, or you can choose a date for us to call you if you need advice. We can fill in the application together over the phone, or you can complete it later. After you submit the application, mortgage advisor will call you to finalize the property appraisal and sign the contract.

Property Valuation

We will appraise your property online or arrange for an appraiser to contact you.

Approval and Signing the Contract

Once you provide us with the necessary documents, we will process your mortgage within 3 days. After the mortgage is approved, we will send you the contract for review. You can discuss the contract with mortgage advisor and agree on how to sign it. You can sign the contract in person at our mortgage center or electronically through online banking.

Draw Down the Mortgage

You can draw down the mortgage in a lump sum or gradually. It’s entirely up to you. You can submit a drawdown request through online or mobile banking.

Mortgage documents

Application for a mortgage Application for a mortgage - enclosure Income Confirmation