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Personal Finance
Non-purpose Mortgage
Non-purpose mortgage is suitable when you want to borrow a larger amount of money for anything beyond what a traditional loan allows, and you have the option to secure the mortgage with real estate.
We will lend you up to CZK 12 million
If you can secure your mortgage with a property, you can borrow more than with a conventional loan.
Better rate than with a loan
You get a better interest rate than with a conventional loan.
We don't ask what you're borrowing for
You don't have to prove the purpose of the mortgage and the money is paid directly into your account.
Product information
Non-purpose mortgage does not have to be used only to finance a home. You can use a mortgage for anything you want.
- We will lend you up to CZK 12 million. You can use the money for anything.
- Repayments can be spread over 5–20 years.
- We will lend you up to 70% of the value of the pledged property.
- You can fix the interest rate for 1–7, 10 or 15 years.
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.
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.
Our mortgage centers
Would you prefer not to handle the mortgage online, but rather in person with our mortgage advisor at a mortgage center? Visit us at one of our mortgage centers.
