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Osobní finance

Private individuals - V. Loans

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1.  Loans to Giro accounts (Overdraft, Mini Overdraft of Ceska Sporitelna)

Note: This is a historical version of the List of Tariffs and Fees of ?eská spo?itelna valid from 05.11.2013 to 31.12.2013. 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 Personal account CS, Personal account CS Absolvent, Personal account CS Student, Student+ Program, Exclusive account,  Comprehenshive program, Benefit program

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

2.  Consumer loans, cash loans

2.1. Acceptance, assessment and evaluation of a loan application

  Pujcka  Uver Plus  Konsolidace  Consumer loan  Loan extended to university students
Acceptance, assessment and evaluation of a loan application  1% from the loan amount, maximum 5,000 free of charge
Fee is collected upon the signing of the loan agreement

2.2.  Loan administration - monthly fee

2.2.1. Products in active offer

  Pujcka Uver Plus Konsolidace Consumer loan Loans extended to university students, contractual loan Loans extended based on special legislation – annual fee (for each commenced calendar year 
Loan administration **) 59 95 59 59 59 59
The fee is not charge for all loans opened from 1st March till 31st December 2013.

2.2.2. Products not in active offer

  Pujcka, Konsolidace, Consumer loan  Uver Plus  Pujcka, Consumer loan  Pujcka  Loan extended based on special legislation 
In active offer from - till 1.11.2009 - 28.2.2013  13.4.201 -28.2.2013  1.1.2005 - 31.10.2009  till 31.12.2004  till 31.12.2004 
Loan administration 59 95 49 500 annual fee (for each commenced calendar year) 300 annual fee (per each connenced calendar year)
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

2.3.  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
Loans from CZK 500,001  0.0601% from the extended loan 0.0160% from the extended loan

2.4.  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

2.5.  Other Items

  Less than 1 year before termination  More than 1 year (including) before termination
Cash installment of a loan   free of charge
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
Reimbursement of costs associated with an extraordinary loan installment  (for loans arranged from 1 January 2011)    0.5% from extraordinary installment amount 1% from the extraordinary installment amount
Reimbursement of costs associated with an extraordinary loan Plus insallment (for loans arranged from 9 December 2012 - volume 600 001 czk and more  free of charge
Reimbursement of costs associated with an extraordinary loan Plus installment  (for loans arranged till 9 December 2011 and from 7 September 2012) free of charge

3.  American mortgage 

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

   
American mortgage   6,000
American mortgage loans extended in combination with standard mortgage loans.   6,000
Loan administration – monthly fee *) 97
*) The fee is not charge for all loans opened from 1st March till 31st December 2013.
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 B – incapacity for work, disability, death, job loss  
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

  Less than 1 year before termination  More than 1 year (including) before termination 
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
  • a change of PPI
  • a minor change not affecting the payment calendar of loan collateral
  • an extraordinary payment
  • change of repayment date (in a month)
500
Change of contractual terms and conditions upon the client´s request in other cases
  • a change affecting the payment calendar, loan collateral or loan conditions
  • cancellation of insurance (incl. PPI, life insurance) before or after the interest rate change period
5,000
Cash installment of a loan   free of charge
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
Reimbursement of costs associated with an extraordinary loan installment  (for loans arranged from 1 January 2011)     0.5% from the extraordinary installment amount 1% from the extraordinary installment amount

4.  Mortgage Loans

4.1. Mortgage ČS

The Personal Account of Česká spořitelna for making repayments of the Hypotéka ČS is offered free of charge.
The offer applies to mortgage loans with a discount for making repayments from an active Personal Account of Česká spořitelna, provided that the mortgage contract is signed in the period from April 1, 2011 to July 31, 2011. The condition is to file an Application, including the complete documentation required, by June 30, 2011 and sign the mortgage contract at the latest by July 31, 2011. The offer is valid for the first period of fixed interest rate fixation for the bands Standard I and Standard II of the Personal Account of Česká spořitelna (impossible to combine with Program Vyhod)

   
Complex loan application assessment, incl. commitment    free of charge
Interest rate guarantee for 30 days free of charge
On-line property evaluation free of charge
Loan administration - monthly *****) 150
A fee for 1st draw-down *) free of charge
A fee for 2nd and each other draw-down *) 500
A fee for administration of Státní finanční podpora - monthly fee **)   50
Reserving funds for mortgage loans with draw-down period longer than 6 months or 24 months (mortgage for construction, reconstruction and with draw-down period longer than 24 months ***)   0.5% p.a.
A fee at failure to draw-down the whole loan amount  ****)  5% from the unused amount
*) The fee is charged only once within one day
**) The fee is collected monthly from the date of acceptance of the application for state financial support
***) The fee on the unused amount is collected monthly. It is always charged after a 6/24 months period (the 6/24 months period is calculated from the first day of the month following the month in which the loan contract was signed)
****) The fee is charged if more than 10% of the approved loan balance has not been drawn-down. For mortgage loans granted for construction, reconstruction and extension the fee is charged only if more than 20 % of the approved loan amount has not been drawn-down.
*****) The fee is not charge for all loans opened from 1st March till 31st December 2013 (including loans in refixation)

4.2. Discretionary services of Hypotéka ČS *)

   
Extraordinary instalment made during the rate fixation period without penalty fee  - monthly fee   200
Co-operative and council apartments financing - onetime fee 3,000
Hypoteka Komplet  3,000
Mortgage with premium - onetime fee  3,000
Variability of instalment - onetime fee  3,000
A mortgage up to 100% property value – onetime fee    3,000
Speed up construction - one time fee   3,000
Bridging Mortgage - onetime fee  3,000
Expres draw-down – onetime fee    2,000
Prefabricated house financing - onetime fee 3,000
Prolongation of internest rate guarantee - onetime fee 3,000
*) The fees specified in this point apply to all mortgages granted within the new “ČS Mortgage“ product  (i.e. applications submitted after April 15, 2011 included) as well as to other mortgages (including the Ideal Mortgage) if after April 15, 2011 (included) the concerned service or preferential terms for such mortgages are additionally arranged in an addendum to the loan contract.

The addendum, in which the service is additionally arranged, is free of charge.

The services and preferential terms listed here cannot be arranged for the Private Business Mortgage product or other investment mortgages.

4.3. Private Business Mortgage of Česká spořitelna

   
Overall assessment and evaluation of a loan application, including loan promise – mortgage loan   5,000
Loan administration **) 150
Mortgage loan funds reserved for a purchase with draw-down period exceeding 6 months, alternatively exceeding 24 months in case of mortgage loans granted for reconstruction and extension*) 0.5% p.a.
*) The fee is calculated  monthly from the outstanding loan balance and charged each 6/24 months (6/24 month period begins on the first day of the month following the month in which the loan agreement was signed)
**) The fee is not charge for all loans opened from 1st March till 31st December 2013 including loans in refixation

4.4.  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 - in the case of insurance arranged as from April 15, 2011 *) 0,0373 % from the extended loan 0,0494 % from the extended loan 
For two clients (for each insured person) - in the case of insurance arranged as from April 15, 2011*) 0,0336 % from the extended loan 0,0445 % from the extended loan
For one client - in the case ofinsurance arranged till 14 April, 2011 *) 0,0333 % from the extended loan 0,0473 % from the extended loan
For two clients (for each insured person) - in the case of insurance arranged till 14 April, 2011 *) 0,0300 % from the extended loan 0,0426 % from the extended loan
*) the fee specified for the cases of insurance effected before April 14, 2011 (included) shall also apply to loan contracts made for the Ideal Mortgage and concluded in the period from April 15,2011 till May 14, 2011, provided that the insurance was agreed to directly in the loan contract
**) for the Private business mortgage loans, also if concluded as from April 15, 2011

4.5.  Other Items (Private Business Mortgage included)

   
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
  • cancellation of change of insurance (incl. PPI, life insurance) within the interest rate change period
  • a change of PPI type before or after the interest rate change period
  • a minor change not affecting the payment calendar of loan 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)
  • change of repayment date (in a month)
500
Change of contractual terms and conditions upon the client´s request *) in other cases
  • a change affecting the payment calendar, loan collateral or loan conditions
  • cancellation of insurance (incl. PPI, life insurance) before or after the interest rate change period
5,000
Fee for extraordinary loan installment during fixation - maximum 10% from the extraordinary installment amount
*) 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 21% VAT

4.6.  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
Loan administration 150 150 150
*) the fee is charged upon the conclusion of the loan agreement

4.7.  CS Instant Mortgage

  • Not provided from 1st December 2010
   
Administration of loan paid up from an account maintained by CS   150
Administration of loan paid up from an account maintained by other bank 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

4.8.  Ideal mortgage of Česká spořitelna

  • Not provided from 15 May 2011
   
Complex loan application assessment, incl. commitment   free of charge
Loan administration - 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
*) The fee on the unused amount is collected monthly. It is always charged after a six months period (the 6 months period is calculated from the first day of the month following the month in which the loan contract 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

4.9.  Discretionary services to Ideal mortgage of Česká spořitelna*) and not-actively offered services to Hypotéka ČS

   
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 
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)
Reduction in balance by up to 20% - onetime fee     2,000****)
Interest rate change guarantee - onetime fee    2,000****)
Co-operative apartments financing - monthly fee **)  350 2) 

*) since May 15, 2011, not newly opened. The fees specified in this point apply to all mortgages granted within the “Ideal Mortgage” product (i.e. with the Application, including complete accompanying documentation, submitted at the latest by April 14, 2011 (included) and with the date of loan contract conclusion at the latest by May 14, 2011), or to other mortgages with the date of loan contract conclusion before April 15, 2011), provided the concerned service or preferential terms are arranged directly in the loan contract. If the concerned service or preferential terms are arranged additionally in an addendum to the loan contract, these fees shall apply only if such an addendum was concluded before April 15, 2011
**) service is not provided from 1 December 2008
***) it is subject to submission of an Application containing complete documents by March 31st 2011 and contract´s signature by April 30th 2011. Service is free of charge within the whole validity of the loan agreement  
****) not offered from November 1st 2012. Possible to open till December 31st 2012 to mortgage loans under negotiation till October 31st 2012
****) not offered from August 1st 2013. Possible to open till September 30th 2013 to mortgage loans under negotiation till July 31st 2013
1) the fee is charged for each period of fixation for which the service is chosen by the client
2) It is accounted for in the month in which the client substantiated that the lien on the acquired apartment was registered or at least he submitted ČS the application for entry of the lien into the Land Registry.

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
Housing unit pursuant to Act no. 72/1994 Coll. - without the site inspection in individually justified cases*)  500 x
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
*) in cases where the bank believes the risks assesment of the pledged property cannot be made without a site inspection and where the fee has already been paid, the fee will be made part of the price of the pledged property risks assessment made by an expert appraiser assigned by ČS

5.2.  Other Items

   
Defaulted client administration 300
Reminder notice (notice for payment) in the event of loan payment default   postage
Confirmation of account balance generated at client’s request  500
Express (on-line) housing unit valuation by the bank   free of charge
*) Depending on the length of defualt may be a fee charged repeatedly

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 5 November 2013 and any amendments hereto shall be published at the branches of Česká spořitelna, a.s.

Note: This is a historical version of the List of Tariffs and Fees of ?eská spo?itelna valid from 05.11.2013 to 31.12.2013. Currently valid versions of the List are available at another part of our web.

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