Osobní finance

Interest rates - Loan products in CZK for entrepreneurs and small businesses, project financing, freelance professions, public sector and non-profit sector

Overdraft loan on current account

Validity: 10.10.2010 Currency: CZK

 Overdraft loan on a Profit program current account*

13.00 %


Validity: 1.08.2011 Currency: CZK

Overdraft loan on a Profit program for corporations

13.00 %


Validity: 10.08.2006 Currency: CZK

Overdraft loan on a Profit program current account - floods*

10.00 %


Validity: 3.3.2008 Currency: CZK

Overdraft loan on a current account under the Profesional Program*

9.80 %

Overdraft loan on a current account for freelance professions*

9.80 %
Overdraft Professional for freelance professions on ČS Corporate Account 9.80 %



Validity: 1.1.2011 Currency: CZK

Overdraft loan on a current account under the World Class program**

13.90 %


** Available exclusively from the Expat Centre in Prague 1, Rytířská

ČS Corporate Overdrafts

Validity: 1.11.2010 Currency: CZK

Band

interest rate p.a.
20000 - 50000 16.90 %
50001 - 300000* 15.90 %
300001 - 500000* 14.50 %
500001 - 1000000* 13.50 %
1000001 - 2000000* 12.50 %

Overdraft loan mini Profit*

Validity: 1.1.2011 Currency: CZK

interest rate p.a.

14.00 %

* Overdraft loan

  • Overdraft loan on a current account Profit program is no longer available from 15.11.2010
  • Overdraft loan on a current account Profit program - floods is no longer available from 10.8.2006
  • Overdraft loan on a current account under the Profesional Program and Overdraft loan on a current account for freelance professions is no longer available from 1.11.2010
  • Overdraft loan mini Profit is no longer available from 1.1.2011
  • Overdraft loan on a current account under the World Class program is no longer available from 1.1.2011


Validity: 18.2.2008

Basic interest rate of Česká spořitelna applicable to clients (hereinafter only as the BR)

6.30 %


Česká spořitelna determines the basic interest rate of Česká spořitelna according to the development of market interest rates. Interest rates applicable to loans always change as at the date of a change in the basic interest rate of Česká spořitelna.

Interest rates for loan products are determined individually.

Validity: 19.10.2007

Basic interest rate for the TADY & TEĎ overdraft loan* - loans effected to 12.10.2007

5.50 %

 

* From 21.8.2006 Sporoservis products replaced by TADY &TEĎ products

5 PLUS investment loan with EIF guarantee*) - loans effected to 31.5.2007

5 PLUS investment loan

(Fixed interest rate guaranteed for the selected period of fixation)

Validity: 1.5.2008

Period of fixation

1 year 2 years 3 years 4 years 5 years 6 years 7 years 8 years 9 years 10 years

Interest rate p.a.

7.25 %  7.25 %  7.30 %  7.40 %  7.50 %  7.60 %  7.65 %  7.70 %  7.80 %  7.85 % 

*) European Investment Fund

Profit term loan

Validity: 15.3.2007
Interest rate p.a. 11.00 %

Profit term loan mini

Validity: 2.7.2007
Interest rate p.a. 12.00 %

Profesional term loan

Validity: 3.3.2008
Interest rate p.a. 8.80 %

ČS Corporate Loan

Validity: 1.11.2010
Interest rate p.a. from 5.99 %

ČS Corporate Loan Start up

Validity: 23.5.2016
Interest rate p.a.  9.00 %

ČS Corporate Firemní vykrývací úvěr ČS - instalments

Validity: 1.11.2010
Interest rate p.a. 14.70 %

Mortgage loan products

Mortgage loan, additional loan

Interest rates are determined individually.

Interest rates are determined as variable or fixed with fixation periods identical to those offered for mortgage loan products for private individuals.

Visa Business charge card

Validity: 11.7.2006 Currency: CZK
1. Loans drawn through a charge card under contracts concluded on or after 1.10.2004 Current interest rate

 a) With the total outstanding amount repaid by the due date

0.00 %

 b) With the total outstanding amount not repaid by the due date

25.00 %


Validity: 11.7.2006 Currency: CZK
2. Loans drawn through a charge card under contracts concluded on or after 30.9.2004 Current interest rate

 a) With the total outstanding amount repaid by the due date

0.00 %

 b) With the total outstanding amount not repaid by the due date but repaid at the latest within one month of the due date

12.50 %

 c) With the total outstanding amount not repaid by one month of the due date

25.00 %

Visa Gold charge card

Validity: 11.7.2006 Currency: CZK
Loans drawn through a charge card under contracts concluded on or after 1.10.2004 Current interest rate

 a) With the total outstanding amount repaid by the due date

0.00 %

 b) With the total outstanding amount not repaid by the due date

12.50 %


Validity: 11.7.2006 Currency: CZK
2. Loans drawn through a charge card under contracts concluded on or after 30.9.2004 Current interest rate

 a) With the total outstanding amount repaid by the due date

0.00 %

 b) With the total outstanding amount not repaid by the due date but repaid at the latest within one month of the due date

12.50 %

 c) With the total outstanding amount not repaid by one month of the due date 

25.00 %

Kredit card Kredit+ MC Business

Validity: 11.6.2007 Currency: CZK
Loan arising from the Kredit+ MC Business card Current interest rate

 a) With the total outstanding amount repaid by the due date by the due date

0.00 %

 b) With a repayment lower than 100% of the total outstanding amount (but no less than 5% of the drawn amount) by the due date

18.00 %

 c) With the total minimum repayment not paid by the due date

29.00 %