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Introduction > Banking Services > Loans > American mortgages

American mortgages

An American mortgage is a special type of loan that provides you with unrestricted options in order to meet any of your financing needs. These mortgages are always secured with a lien on real estate.

American mortgages are also available for specific uses, such as financing the purchase of non-residential space associated with a residence (such as a garage, etc.), refinancing to recoup an investment or for other purposes related to investments in housing that cannot be financed with a standard mortgage product.

This product is specifically intended for individuals and sole proprietors over the age of 18 who are Czech or EU citizens with temporary or permanent address in the Czech Republic for at least 1 year.

Why choose an American mortgage?

  • We offer the following at absolutely no charge: providing the loan, maintaining current and loan accounts, reserving funds and drawing the loan
  • A special discount is offered on loans over CZK 1 million and a 0.4 % discount on mortgage refinancing
  • There are no added charges when you purchase non-residential space related to housing (e.g. garage, etc.) or refinance to recoup invested funds
  • You also can select additional service like the Mortgage saving account (for individuals with loans of more than CZK 1.88 million and for sole proprietors)
  • Some types of non-residential property can be used as collateral
  • Loan amounts are capped at 70 - 80 % of the value of the property (given by the type of collateral)
  • More than 80 branches are available to you across the entire Czech Republic.
  • Please find an overview of interest rates here (in Czech).
  • Calculate your mortgage rates
  • A representative example of American mortgages

Product description and parameters

  • Finance anything!
  • Loan amount CZK 300,000 - CZK 7,000,000
  • Maximum loan amount: capped at 80 % of the value of the property
  • Maturity: 5-20 years
  • Fixed interest rates for: 1, 3 and 5 years
  • Up to 3 co-signers (in addition to the loan applicant)
  • Eligible properties: apartments, single family houses and apartment buildings, recreational buildings, studios, building lots zoned for residential construction up to 4,000 m2, mixed use buildings (max. 20 % non-residential), non-residential units (office space and office buildings)


  1. General unrestricted use
  2. Purchasing non-residential premises connected to a residence (e.g. a garage, neighbouring land, etc.)
  3. Renovation work involving maintenance and general renovations
  4. Refinancing funds invested into property over a maximum of the previous 12 months, capped at 70 % of the investment
  5. Refinancing loan provided for any of these purposes


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