Better interest rate

For energy-efficient housing, you will get a 0.10% lower interest rate than with a classic mortgage.

Responsibility pays off

Save the environment, money on your mortgage payments and energy bills.

It is easy

All you have to do is provide us with an Energy Performance Certificate of your property.

TIP

Calculate your mortgage in our mortgage calculator and get an offer with a guaranteed rate.

Once you provide us with the energy label of the property you are financing, a mortgage advisor will assess it and if it meets the Responsible Mortgage conditions, we will give you an additional 0.10% discount on the interest rate.

When can you get a Responsible Mortgage with a discounted interest rate?

You are buying or building a real property.
The financed property is also the collateral.
All the pledged properties comply with the Responsible Mortgage criteria.

Interest rate offer valid for 30 days

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

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.

Easily and without worries

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

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 the contract. He also assess the energy label of the building to determine if the property meets the conditions of the Responsible Mortgage, allowing you to obtain a better rate.

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.

What do you often ask about

When can I get a discounted mortgage rate?

The information whether the real property is energy-efficient and meets the conditions for a Responsible Mortgage subject to a better interest rate can be found from the energy label of the property. The mortgage expert evaluates the energy label of the property as part of a non-binding quote for your mortgage loan.

Was the energy label of the property issued before or on 31 December 2020 and the energy class is "A"?
Or,
was the energy label of the property issued after 31 December 2020 and when you divide the “Vypočtená hodnota” value and “Referenční hodnota” value in the “Neobnovitelná primární energie” section, the result is 0.9 or less?
If one of the answers is "YES", the condition for obtaining a better interest rate is met.
A detailed example of the calculation is available here.

What does a building energy performance certificate – PENB mean?

The Energy Performance Certificate of a Building (PENB) or energy label indicates how energy-intensive the building is, or how much energy is needed for its operation.

Is it possible to secure the loan with a property other than the financed one?

This is not possible with a Responsible Mortgage. The property to be financed with the mortgage loan and the property securing the loan must be the same.
However, if the value of the collateral is insufficient, it is possible to add another property, which must also be evaluated and meet the energy performance criteria.
Of course, you can also secure your mortgage loan with a property other than the financed one. In that case, choose another mortgage product from our offer.

Is it possible to provide a common energy performance certificate for the entire building?

If you are buying an apartment in an apartment building, it is enough to submit a copy of the common energy performance certificate of the entire building in which the apartment is located.

Are you planning to build or buy property and the energy label will not be available for loan approval?

You can also submit the energy label after your loan is approved. If the submitted label meets the conditions of a Responsible Mortgage, you will be granted a discounted interest rate, which will be reflected with the next instalment.

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.

Choose a mortgage center