CZK 1.5 million.
your interest rate and monthly mortgage payments.
| Rate type | Rate fixed for 3 years |
|---|---|
| Mortgage amount | from 1,5 mil. CZK |
| Refinancing | 4,58 % |
| Purchase | 4,58 % |
| Other | 4,58 % |
The interest rates apply to mortgages with a maximum loan-to-value (LTV) ratio of 80% and are subject to taking out Payment Protection Insurance. Interest rates for fixation periods other than 3 years are available in the Price List or through our Mortgage Calculator.
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How to save with our mortgage
Current rewards / discounts
- If you meet the programme conditions, we will pay you a reward based on the interest you have paid at the end of your fixation period.
| New / refinanced mortgages | |
|---|---|
| Mortgage amount | Reward based on interest paid* |
| up to CZK 3,000,000 | 0% |
| from CZK 3,000,000 | 3% |
| from CZK 4,000,000 | 4% |
| from CZK 5,000,000 | 5% |
| from CZK 10,000,000 | 6% |
* The reward does not apply to mortgages with a one-year fixation period, loans intended for construction, reconstruction or renovation, or loans with a maturity of less than 10 years.
If you continue repaying your mortgage with Fio banka after the end of the initial fixation period, you may become eligible for an even higher reward.
| At refixation | |
|---|---|
| Outstanding mortgage balance | Reward based on interest paid* |
| up to CZK 1,000,000 | 0% |
| from CZK 1,000,000 | 3% |
| from CZK 3,000,000 | 6% |
| from CZK 4,000,000 | 7% |
| from CZK 5,000,000 | 8% |
| from CZK 10,000,000 | 9% |
* The reward does not apply to mortgages with a one-year fixation period
Illustrative example:
Mr Smart took out a CZK 4,500,000 mortgage to purchase an apartment, with a repayment term of 30 years and a 3-year fixation period. His interest rate was 4.78% p.a.
Throughout the initial fixation period, he repaid his mortgage regularly and on time, made no extraordinary repayments, and met all the Mortgage Repayment Reward Programme conditions. During this period, he paid a total of CZK 630,510.67 in interest.
As his mortgage falls within the band eligible for a 4% reward on the interest paid, he will receive a reward of CZK 25,220.43 at the end of the initial fixation period.
This amount will be used as an extraordinary repayment of the mortgage principal, reducing the outstanding loan balance and, consequently, the regular monthly instalment.
Note: This example shows the reward for the initial fixation period only. The reward for the second and each subsequent fixation period cannot be determined reliably when the mortgage is arranged, as it depends, among other things, on the outstanding mortgage balance at the beginning of the relevant fixation period and the actual amount of interest paid during that period. Therefore, the exact reward amount will always be calculated before the start of each new fixation period and communicated to the client via Internet Banking.
- Information about the Mortgage Repayment Reward Programme
- 0.2% interest rate discount for Payment Protection Insurance
In-house property valuation
Subject to certain conditions, we can carry out the property valuation ourselves free of charge, helping you save the cost of an external valuation. Find out what conditions need to be met.
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Reduce your interest rate and pay less every month
Have you saved at least CZK 50,000? Put your savings to work by reducing your mortgage interest rate and monthly repayments. Your money remains available whenever you need it, while helping you save every month. The Mortgage Savings Account is completely free of charge.
See how much you can save with a Mortgage Savings Account in our illustrative example.
Illustrative example: Mortgage of CZK 3 million, repayment term of 30 years, standard monthly repayment without a Mortgage Savings Account: CZK 14,987.
New clients can take advantage of our Mortgage Savings Account, which allows you to reduce up to 75% of your mortgage interest by maintaining a balance equal to the outstanding principal.
Take a look at our illustrative examples to see how you can save with a Mortgage Savings Account.
Calculate your interest rate and monthly mortgage repayment
Product description and parameters
- What can be financed: apartment, family house, recreational property, apartment building with up to three units, or building plot intended for residential development
- How much you can borrow: CZK 1.5 million - CZK 50 million
- Construction and completion of real estate + structural modifications to real estate: CZK 3 million - CZK 50 million
- Maximum loan amount: 80% of the property value (up to 90% for applicants under 36 years of age when financing a property for their own residence)
- Maturity: 10 – 30 years
- Fixed interest rate: 1, 2, 3 and 5 years
- Up to 3 co-debtors (in addition to the loan applicant)
We provide mortgages to Czech citizens, foreign nationals who are citizens of the EEA and have at least temporary residence in the Czech Republic, and other foreign nationals who have permanent residence in the Czech Republic and have lived here for at least 1 year.
Purpose of the mortgage
- Purchase of completed or unfinished real estate (payment of the purchase price, additional payment at auction, difference in price when exchanging)
- Construction and completion of real estate
- Construction modifications to real estate
- Settlement of co-ownership relationships (joint property of spouses, etc.) related to real estate
- Refinancing – repayment of a loan provided by another financial company for a purpose identical to that of a mortgage
- Payment of a membership share in a housing cooperative, transfer of membership rights in a housing cooperativ
- Reimbursement of own resources
- Combination of the above purposes
