Osobní finance

Interest rates - Loan products in CZK for private individuals

Overdraft loan

Validity: 1.6.2013 Currency: Kč
Overdraft Interest rate per annum
Current rate: 18,90 % p.a.
Prime rate: 11,90 % p.a.

Cash loan

fixed interest rate

Validity: 1.12.2016 Currency: Kč
Loan type

Interest rate

Cash loan

from 6,90 % p.a.

Loan Plus

from 5,90 % p.a.

Consolidation loans

from 6,90 % p.a.

Consumer credit

from 5,90 % p.a.

Money for click

16,90 % p.a.

Loan for students

8,90% p.a.

American mortgage

from 3,79 % p.a.

Mortgage loan products

Validity: 1.12.2016 Currency: CZK
Fixation Interest rate for new deals from
1 year 3,19% p.a.
2 years 3,19% p.a.
3 years 1,99% p.a.
4 years 1,99% p.a.
5 years 1,79% p.a.
8 years 1,79% p.a.
10 years 1,89% p.a.
15 years individuálně
Variable interest rate 1M PRIBOR + odchylka ve výši 1,60 %

Pre-Mortgage loan

3,79 % p.a.

Minimum interest rates are interest rates with a discount for making loan repayments from an active Personal Account of Česká spořitelna and with a repayment capacity insurance arranged with PČS.


Validity: 1.8.2016 Currency: Kč
Fixation

TOP Mortgage Housing*

Additional loan

1 year

Product is no longer provided

7,59% p.a.

5 years

3,69% p.a.

7,59% p.a

*Standard interest rate for Česká spořitelna’s mortgage loans is declared for calculating the interest rate for next period under the loan agreement. It cannot be combined with discount for paying from an active Česká spořitelna Personal Account and repayment ability insurance.

Credit Card

Validity: 15.7.2016 Currency: CZK
Way of withdrawing Credit card Credit Card Odměna Credit Card World Credit Card Kooperativa and Kapitol Chytra karta CS/ Penzijni karta CS
Cashless payment card
At 100% payment of the total amount drawn on the date of payment 0,00% p.a. 0,00% p.a. 0,00% p.a. 0,00% p.a. 0,00% p.a.
When payment is less than 100% of the total amount drawn 12 - 24 % p.a. 23,88% p.a. 23,88% p.a. 26,28% p.a. 23,88% p.a.
Cash withdrawal 12 - 24 % p.a. 23,88% p.a. 23,88% p.a. 26,28% p.a. 23,88% p.a.
Loan on credit card 12 - 24 % p.a. 23,88% p.a. 23,88% p.a. 26,28% p.a. 23,88% p.a.
Installment program
the maturity of 12, 24, 36 and 48 months 17,90% p.a. 17,90% p.a. 17,90% p.a. 17,90% p.a. 17,90% p.a.
Transfer cards to us
for a period of 6 months from the operation 6 - 12 % p.a. x x x x
for the 7. months after the operation 12 - 24 % p.a. x x x x
Cash back 12 - 24 % p.a. 23,88% p.a. 23,88% p.a. 26,28% p.a. 23,88% p.a.
Domestic payment 12 - 24 % p.a. 23,88% p.a. 23,88% p.a. 26,28% p.a. 23,88% p.a.

General items

Validity: 16.5.2011 Currency: CZK
Late interest fee The Statutory interest rate