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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 01.10.2016 to 30.11.2016. Currently valid versions of the List are available at another part of our web.
Administration and maintenance of a loan in a Giro account (overdraft) for an indefinite period – monthly fee  Valid for Osobní účet ČS II, Osobní konto ČS, Osobní účet ČS, Osobní účet ČS Absolvent, Osobní účet ČS Student, Účet, Účet for students Included in the current account monthly fee  
Valid for Basic account 25

2.  Consumer loans, cash loans

2.1.  Loan opening


Pujcka  Uver Plus  Konsolidace  Consumer loan  Revolving loan Loan to students
Loan opening (administration
of the application, processing
of contract documentation
etc.)
1% from the loan amount, maximum 5,000 free of charge 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 for students Revolving loan Loans extended based on special legislation – annual fee (for each commenced calendar year 
Loan administration **) free of charge free of charge free of charge free of charge free of charge free of charge free of charge
Draw-down free of charge free of charge free of charge free of charge free of charge 50 free of charge




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 (loans extended from 26 July 2014) - Long-term incapacity for work, full disability, death B insurance set (loans extended from 26 July 2014) - job loss, long-term incapacity for work, full disability, death  S insurance set – death
(the possibility of negotiating
only aged 60–67 years)
Loans up to CZK 74,999   8% from monthly payment  10% from monthly payment 6% from monthly payment
Loans from CZK 75,000 to CZK 174,999     7% from monthly payment  9% from monthly payment 5% from monthly payment
Loans from CZK 175,000     5% from monthly payment  8% from monthly payment 4% from monthly payment


  A insurance set (for loans extended till 25 July 2014) Long-term incapacity for work, full disability, death  B insurance set (loans extended from 1 November 2009 till 25 July 2014) - 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

   
Change the payment amount  free of charge 
Change the date of payment  free of charge 
Payment deferment free of charge 
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 the 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  
Reimbursement of costs associated with
an extraordinary loan installment (for loans
arranged from 1 December 2016)
the compensation of reasonable costs
arising in relation to the early repayment
max. 0.5% from the extraordinary
installment amount
max. 1% from the extraordinary
installment amount

3.  American mortgage 

3.1.  Opening loan - American Mortgage, loan administration

Loan opening (administration of the application, processing of contract
documentation etc.) *
6.000  
Loan administration – monthly fee **) 97

*) The fee is collected upon the signing of the loan agreement

**) The fee is not charge for all loans opened from 1st March 2013.
 

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 to 15 April 2016) - 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 to 15 April 2016) - 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
  Insurance Standard - hospitalization, inability to work, disability, death  Insurance Plus - hospitalization, inability to work, disability, death, job loss 
For one client  7,7 % from regular payment  9,7 % from regular payment 
For two clients (for each insured person - Duo version) 6,9 % from regular payment   8,75 % from regular payment
Insurance type A and B is not on offer from 1 st February 2016.

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
Confirmation of account balance processed on the client's request
(for loans arranged till 30 November 2016)
500
Confirmation of account balance generated at client’s request
(for loans arranged from 1 December 2016)
free of charge
Reimbursement of costs associated with an extraordinary loan installment
(for loans arranged from 1 December 2006 till 31 December 2010)  
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 till 30 November 2016) 0.5% from the extraordinary installment amount 1% from the extraordinary installment amount
Reimbursement of costs associated with an extraordinary loan installment (for loans arranged from 1 December 2016):
– free of charge or in limited amounts in the cases defined by law or by contract
– In other cases you will pay reasonable costs arising in relation to the early repayment, ie .:
a) a flat administrative cost in the amount of CZK 700
b) the cost of mediation*
c) the financing cost (ie. costs arising in relation to cost of money)**

4.  Mortgage Loans

4.1. Mortgage ČS

Loan opening (administration of the application, processing of contract documentation etc.)    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 12 months in case of mortgage refinancing 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 not charge for all loans opened from 1st March 2013 (including loans in refixation)

**) 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 6/12/24 months period (the 6/12/24 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 for loans approved by 31st May 2014 and is charged if more than 20 % of the approved loan amount has not been drawn-down.

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 (The service is not on offer from 1st of August 2016) 3,000
Variability of instalment - onetime fee  3,000
A mortgage up to 100% property value (it is not on offer from 1.10.2016) – onetime fee    3,000
A mortgage up to 95 % property value – onetime fee 
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
Turnover mortgage for entrepreneurs - onetime fee 3,000
Rental property mortgage 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

Loan opening (administration of the application, processing of contract documentation etc.)   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 not charge for all loans opened from 1st March 2013 including loans in refixation

**) 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)
 

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 to April 15, 2016*) 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 to April 15, 2016*) 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
  Insurance Standard - hospitalization, inability to work, disability, death  Insurance Plus - hospitalization, inability to work, disability, death, job loss 
For one client ***)  7,7 % from regular payment  9,7 % from regular payment 
For two clients (for each insured person - Duo version)***)  6,9 % from regular payment   8,75 % from regular payment

*) 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

***) Insurance Standard and Plus cannot be arranged for Private Business mortgage from 1 st February 2016.

Insurance type A and B is not on offer from 1 st February 2016.

4.5.  Other Items (Private Business Mortgage included)

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 
  • change type of interest rate an amendment to the loan agreement
free of charge
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
Confirmation of account balance generated at client’s request (for loans arranged till 30 November 2016) 500
Confirmation of account balance generated at client’s request(for loans arranged from 1 December 2016) free of charge

* The price determined at the Appendix signing. 

4.6.  Reimbursement of costs associated with an extraordinary loan installment

Reimbursement of costs associated with an extraordinary loan installment (for loans arranged till 30 November 2016)  10% from the extraordinary
installment amount
Reimbursement of costs associated with an extraordinary loan installment (for loans arranged from 1 December 2016 and for loans arranged till 30 November 2016 with variable interest rate derived from the reference rate, for example. Pribor, and loans with fixed interest rate, for which there has been a recent change in fixed interest rates after 1 December 2016:
– free of charge or in limited amounts in the cases defined by law or by contract
– In other cases you will pay reasonable costs arising in relation to the early repayment, ie .:
a) a flat administrative cost in the amount of CZK 700
b) the cost of mediation*
c) the financing cost (ie. cost arising in relation to cost of money)**


 

 

* The cost of mediation are calculated as a proportion of the cost of mediation for the mortgage loan and original maturity of the loan in months multiplied by the remaining maturity of the mortgage loan in months (from the date of payment of the mortgage to the original maturity date). In case of partly payment of loan the cost of mediation are calculated as follows: expense divided by the total loan balance and multiplied by the amount of extraordinary installment.
** Financing cost are calculated as interest on extraordinary loan installment for the period from its payment until the end of fixation with using interest rates of government bonds of the Czech Republic with similar maturities as the length of time of fixation on the loan (in case of negative interest rates we use 0 %).

4.7.  Ideal mortgage of Česká spořitelna

  • Not provided from 15 May 2011
Loan administration - monthly 200

4.8.  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****)

*) 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. 
1) the fee is charged for each period of fixation for which the service is chosen by the client
 

5.  General items

5.1.  Reimbursement of costs associated with drawing up of the property valuation

Valuation of real estates in their existing condition   Real estates under designing, construction, reconstruction  
Housing unit   3,900 4,400
Housing unit - without the site inspection in individually justified cases*)  500 x
Non-residential space  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 property valuation 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 property valuation made by an expert appraiser assigned by ČS.

5.2.  Reimbursement of costs associated with drawing up of the property valuation - Protocol about the status of construction

Detached building site 2.600
Flat 2.600 
Garage 2.600 
Building for individual recreation 3.600 
Family house     3.600 
Protocol of a state of construction - follow-up 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
Other buildings  individually priced

5.3.  Other Items

Late fee* (valid until 30/11/2016) 500
Costs connected with late payment** (valid from 1/12/2016) 300 (10 days in delay)

*) If you fail to pay on time (the maturity date), we will from that date (the expiration date) charge a penalty for late payment in the amount of CZK 500. We may charge a contractual penalty of one loan than once a month. Entitlement to payment of contractual penalties we incur in any calendar month in which you have an outstanding balance on a loan of more than 100 CZK. This penalty is payable the day after the maturity date of the outstanding debt payments.

**) These costs will be charged on the 10th, 40th and 70th day of delay.

Prices of other products and services are part of the Price list of  Ceska sporitelna 

Prices are quoted in CZK if not stated otherwise

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 st  November    2015 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 01.10.2016 to 30.11.2016. Currently valid versions of the List are available at another part of our web.

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