Loan for Housing
Calculate your Housing Loan
For example, what can the loan be used for?
- Buying or renovating a property
- Household equipment (furniture and appliances)
- Upgrading the kitchen and bathroom
- Building a new garage, pool and fence around the house
- Paying for materials, tradesmen or project documentation
- Financing especially energy-saving technologies for your family home (photovoltaic power plant, heat pump, house insulation or heating replacement)
TIP: You can use up to 20% of the amount borrowed (up to a maximum of CZK 60,000) for non-purpose purposes, i.e. for whatever you need. There is no hurry to provide proof of the loan use, you just need to provide it within 12 months of the loan (we will remind you to send the invoice, receipt or purchase contract). And we'll even reimburse you for modifications you've already made up to 12 months in arrears.
Our loan will adapt to you
You can keep your loan under control with the Flexi Package. You can pay it off early or cut a big chunk out of it at any time and without a fee.
After the first 6 months of repayment, you can easily adapt your loan:
- Reduce or increase your repayments.
- You can defer repayments if you need to
You can face a lot of things when you repay
Everyone can get into trouble from time to time. That's just life. The important thing is not to let it happen and to take action as soon as possible. There is always a way.
To help you get a better idea, we've described the most common situations where it can help to make easy adjustments to your repayments. For example, if you have unexpected expenses or are changing jobs.
If your situation is more serious and you need to pay less in the long term or simply can't manage the repayments, you may need to adjust the loan itself. We can help you in this case too. Read on to find out how to proceed.
You have 30 days "on trial"
If you decide not to use the loan within the first 30 days of taking it out and end up paying it back or repaying the loan in full, that's not a problem. You don't have to worry about any penalties or fines, on the contrary: we will refund the interest paid on the repayments you have already made. The full terms and conditions can be found directly in the contract.
Not valid for loans granted at Czech Post branches.
Save nature and your wallet
With the Energy Efficient Housing Loan, you can get up to CZK 1 500 000 for the purchase of particularly energy-saving technologies such as a photovoltaic power plant, heat pump or home insulation. You can also save money by using state subsidies from the New Green Savings Programme.
You can get financing at a discounted guaranteed interest rate of 5.99% p.a. when you use the Activity Allowance.
Tariff
| Selected services | Price |
|---|---|
| Account maintenance/administration and loan processing, reimbursement of costs associated with extraordinary loan repayments | free of charge |
| Sending statement electronically / by post (monthly) | free of charge / 45 CZK |
| Increase, decrease or postponement of repayment under the specified contractual conditions | free of charge |
| Insurance for consumer credit | 5.99% of the monthly loan payment |
The fees listed in this section are excerpted from the full text, which can be found in our Fee Schedule. And we've compiled all the interest rates for you in this summary.
Documents
Representative example
Loan for Housing of CZK 650.000 with a maturity of 9 years: fixed interest rate of 6.77% p.a., APR of 7%, monthly repayment of CZK 8,054, total repayment of CZK 869,832. This is not a proposal to conclude a contract.
Additional information
This is an indicative calculation only, the specific parameters of the loan will be specified in the pre-contractual information and the loan agreement.
For all loans from CZK 300,000 and above granted for the period 1 January – 30 April 2024:
- 62% of clients achieved an interest rate of up to 8.5% p.a.
- 19% of clients achieved an interest rate of 8.5–10% p.a.
- 19% of clients achieved interest above 10% p.a.
The interest rate is set individually and is influenced by several factors, such as the amount of the loan or the length of repayment. However, the interest rate will never exceed 21,1% per annum.