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Osobní finance

Private individuals - V. Loans

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1.  Loans to Giro accounts (Overdraft)

Note: This is a historical version of the List of Tariffs and Fees of ?eská spo?itelna valid from 01.09.2010 to 29.11.2010. Currently valid versions of the List are available at another part of our web.
   
Arrangement (extension) of a loan to a Giro account (overdraft) for an indefinite period at the branch*)  200
Administration and maintenance of a loan in a Giro account (overdraft) for an indefinite period – monthly fee*)   20
Change of a loan in a Giro account (overdraft) for an indefinite period  upon client´s request at the branch **)  150
*) does not apply to Osobni ucet CS, Osobni ucet CS Student, Student+ Program, Exclusive account,  Comprehenshive program, Benefit program, Senior account)

**) does not apply to Osobni ucet CS Student, Student+ Program

2.  Consumer loans, cash loans

2.1.  Acceptance, assessment and evaluation of a loan application, loan account administration and mainte nance

  Oher loans extended from 1 November 2009 – monthly fee   Other loans extended from 1 January 2005 till 31 October 2009 – monthly fee   Other loans extended till 31 December 2004 – annual fee (for each commenced calendar year)  Loans extended based on special legislation – annual fee (for each commenced calendar year 
Acceptance, assessment and evaluation of a loan application *) 1% of the required loan amount, minimum 400 1% of the required loan amount, minimum 400 1% of the required loan amount, minimum 400 1% of the required loan amount, minimum 400
Loan account administration and maintenance  59 49 500 300
*) the fee is collected upon the signing of the loan agreement. The fee is not charged for loans extended to university student, contractual loan

**) the fee is not charged for, loans extended with the HERE & NOW (TADY & TEĎ) products (including Purchase Loan) - services have been terminated as of 31 December 2007, contractual loa, loans by Phone services - services have been terminated as of 21 August 2006

2.2.  For underwriting insurance to cash and consumer loans – monthly fee

  A insurance set - Long-term incapacity for work, full disability, death  B insurance set (loans extended from 1 November 2009) - job loss, long-term incapacity for work, full disability, death   B insurance set (loans extended till 31 October 2009) - job loss, long-term incapacity for work, full disability, death  
Loans up to CZK 49,999   75 115 95
Loans from CZK 50,000 to CZK 99,999   95 155 135
Loans from CZK 100,000 to CZK 149,999   135 205 175
Loans from CZK 150,000 to CZK 199,999   155 255 215
Loans from CZK 200,000 to CZK 249,999   175 315 255
Loans from CZK 250,000 to CZK 299,999   205 365 305
Loans from CZK 300,000 to CZK 349,999   235 425 395
Loans from CZK 300,000 to CZK 349,999   265 475 455
Loans from CZK 400,000 to CZK 449,999   295 535 505
Loans from CZK 450,000 to CZK 500,000   335 615 585

2.3.  For underwriting insurance to loans extended with HERE & NOW products – monthly fee

  A insurance set - long-term incapacity for work, full disability, death   B insurance set - Job loss, long-term incapacity for work, full disability, death  
Loans up to CZK 14,999   39 75
Loans from CZK 15,000 to CZK 49,999   75 95
Loans from CZK 50,000 to CZK 100,000   135 175

2.4.  Other Items

   
Change of contractual terms and conditions upon the client's request   0.2% from the current balance, minimum 100 maximum 1,500
Reimbursement of costs associated with an extraordinary loan installment  (for loans arranged from 1 December 2006)   4% from the extraordinary installment amount, minimum CZK 500, maximum CZK 5,000
Cash installment of a loan   45

3.  American mortgage – Consumer and Cash

3.1.  Acceptance, assessment and evaluation of a loan application - American Mortgage, loan account administration and maintenance

   
American mortgage   0.8% of the required loan amount, minimum 5,000; maximum 20,000
American mortgage loans extended in combination with standard mortgage loans.   0.4% of the required loan amount, minimum 2,500; maximum 10,000
Loan account administration and maintenance – monthly fee   97
The fee is collected upon the signing of the loan agreement)

3.2.  Insurance of ability to repay american mortgage

  Type A – incapacity for work, disability, death   Type A – incapacity for work, disability, death  
For entering into an insurance contract (loans extended from 1 November 2009) - for one client - monthly   0.0433% from the extended loan 0.0633% from the extended loan
For entering into an insurance contract (loans extended from 1 November 2009) - for two clients (for each insured person) - monthly   0.0390% from the extended loan 0.0570% from the extended loan
For entering into an insurance contract (loans extended till 31 October 2009) - for one client - monthly   0.0333% from the extended loan 0.0473% from the extended loan
For entering into an insurance contract (loans extended till 31 October 2009) - for two clients (for each insured person) - monthly   0.0300% from the extended loan 0.0426% from the extended loan

3.3.  Other Items

   
Reimbursement of costs associated with an extraordinary loan installment  (for loans arranged from 1 December 2006)   1% from the extraordinary installment amount, minimum CZK 500, maximum CZK 5,000
Change of contractual terms and conditions upon the client's request   0.2% from the current balance, minimum 100 maximum 1,500
Cash installment of a loan   45

4.  Mortgage Loans

4.1.  Ideal mortgage of Česká spořitelna

   
Complex loan application assessment, incl. commitment   free of charge
Loan administration and maintenance - monthly 200
Reserving funds for mortgage loans with draw-down period longer than 6 months *)  0,5% p.a.
A fee for each draw-down made from the 4th month following the signing of the loan agreement **)   500
A fee at failure to draw-down the whole loan amount  ***) 5% from the unused amount
*) Charged after a 6 months period (the 6 month period begins on the first day of the month following the month in which the loan agreement was signed)

**) The fee is charged only once within one day

***) The fee is charged if more than 10% of the approved loan amount is not used

4.2.  CS Instant Mortgage

   
Credit transaction administration and maintenance paid up from an account maintained by CS   150
Credit transaction administration and maintenance Credit transaction administration and maintenance paid up from an account maintained by CS   200
Overall assessment and evaluation of a loan application filed by private individuals for a CS Instant Mortgage   0.9% of the loan amount, minimum 9,500, maximum 25,000
Change of contractual terms and conditions by way of Amendment 1 to loan agreement   free of charge
Change of contractual terms and conditions upon the client´s request see chapter Mortgage loans - standard fees
Issue of certificate on loan interest for tax purposes free of charge

4.3.  Other mortgage loans

  Up to CZK 5.0 million   Over CZK 5.0 million   In case of full repayment of a loan issued by another financial institution and used for identical purpose as the mortgage loan 
 
Overall assessment and evaluation of a loan application, including loan promise – mortgage loan    0.9% of the loan amount minimum 9,500 maximum 25,000 individual rate minimum 35,000 4,500
Credit transaction administration and maintenance    150 150 150
*) the fee is charged upon the conclusion of the loan agreement)

4.4.  Discretionary services

Can be issued to all above mortgage types except for Investment Mortgage
   
Extraordinary instalment made during the rate fixation period without penalty fee  - monthly fee  149
Extraordinary instalment made during the rate fixation period without penalty fee  - onetime fee   1,999 1)
Premium at the rate fixation change - monthly fee  439
Premium at the rate fixation change - onetime fee 1,999 1)
Instalment amount change – onetime fee   1,999 1)
Repayment interruption option – onetime fee   1,999 1)
Expres draw-down – onetime fee   1,999
A mortgage without specified real estate – onetime fee   1,999
Easy draw-down during construction - onetime fee   1,999
A mortgage up to 100% property value – onetime fee   1,999
Co-operative apartments financing - onetime fee  1,999
Speed up construction - one time fee  1,999
Invoice not required - onetime fee 1,999
Reduction in balance by up to 20% - onetime fee   1,999
Interest rate change guarantee - onetime fee   1,999
Bridging Mortgage - onetime fee 1,999
*) service is not provided from 1 December 2008
1) the fee is charged for each period of fixation for which the service is chosen by the client

4.5.  Insurance of ability to repay mortgage loan - monthly fee

  Type A – incapacity for work, disability, de  Type B – incapacity for work, disability, death, job loss  
For one client  0,0333 % from the extended loan 0,0473 % from the extended loan
For two clients (for each insured person)  0,0300 % from the extended loan 0,0426 % from the extended loan

4.6.  Other Items

   
Determination of the price of a flat or a family house in cases when an expert appraisal of the real property subject to the loan is not required from the client during loan negotiations and when the bank concurrently did not receive any acceptable expert valuation.   2,000 1)
Issue of certificate on loan interest for tax purposes   free of charge
Duplicate confirmation of the amount of loan interest paid generated at client’s request   200
Change of contractual terms and conditions upon the client's request *)
  • if the loan security is released in the course of the loan relationship up to the amount corresponding to the to the part of the loan already paid up
  • change of direct debit account
  • a minor change not affecting the loan’s repayment schedule and collateral
  • an extraordinary payment made outside the interest rate change period
  • cancellation of discretional Ideal Mortgage Service during the rate fixation period (excluding PPI insurance)
  • 500
    Change of contractual terms and conditions upon the client's request *)
  • in other cases
  • 5,000
    *) the price determined at the Appendix signing
    1) it is a part of a deduction exempt activity if used solely for the purpose of the bank – loan extension. If an expert appraisal is provided to the client for other purposes, it is subject to 20% VAT

    5.  General items

    5.1.  Assessment of risks associated with assets held as security (eligibility assessment)

      Valuation of real estates in their existing condition   Real estates under designing, construction, reconstruction  
    Housing unit pursuant to Act no. 72/1994 Coll.  3,900 4,400
    Non-residential space pursuant to Act no. 72/1994 Coll.   3,900 4,400
    Family house   4,900 5,400
    Detached building site   3,900 4,400
    House for individual recreation   4,900 5,400
    Garage   3,900 4,400
    Construction status report /reconstruction status report 1,500 1,500
    Express risk assessment within 2 business days after the order has been placed with the valuator   + 1,200 above base rate for specific real estate type + 1,200 above base rate for specific real estate type
    Other buildings   individually priced individually priced

    5.2.  Other Items

       
    Reminder notice (notice for payment) in the event of loan payment default  
    • with loans extended based on special legislation - 2nd notice and/or every further notice *)
    • with other loans - 1st notice, 2nd notice, 3rd notice
    300 + postage
    Confirmation of account balance generated at client’s request    500
    Express (on-line) housing unit valuation by the bank    free of charge
    *) postage is not charged

    Prices are quoted in CZK.

    Apart from the fees for services specified in the List of Charges, also other expenses (e.g. expenses of other banks and institutions) are charged. The fees charged to the client's account, debited to the loan account or paid in cash not later than upon the closing of the loan account, and/or at the end of the year. The fees for external services associated with the loan (project or security appraisal, notarial charges, etc.) are paid by the client either immediately or upon the execution of the agreement. Upon request, Česká spořitelna shall issue a receipt for fees paid in cash.

    The fees charged for the provision of bank information and telecommunication services relating to banking transactions are specified in Part IX Other Bank Services.

    The loan account or credit transaction administration and maintenance fee is payable irrespective of the fact whether the account is terminated before the expiry of the term as specified in the List of Charges.

    Additional fees charged for services provided by Česká spořitelna, a.s. are detailed in other parts of the List of Charges.

    In exceptional cases, the bank may provide a discount from the specified fee.

    This List of Charges shall become valid as of 1 September 2010 and any amendments hereto shall be published at the branches of Česká spořitelna, a.s.

    Done in Prague on 24 August 2010

    Ing. Jiří Škorvaga CSc., in his own hand
    Member of the Board of Directors
    and Deputy General Director 
    Martin Techman, in his own hand
    Director of the Business Development Division 

    Note: This is a historical version of the List of Tariffs and Fees of ?eská spo?itelna valid from 01.09.2010 to 29.11.2010. Currently valid versions of the List are available at another part of our web.

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