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Přihlášení do iBODU

Přihlášení do SERVIS 24

Přihlášení do BUSINESS 24

Půjčka

Nejjednodušší cesta k penězům

For whom the product is designed

Private individuals - above 18 years of age

  • citizens of the Czech Republic with permanent residency in the Czech Republic
  • foreign nationals with permanent residency in the Czech Republic
  • citizens of the Czech Republic or foreign nationals with permanent residency abroad

Product description

A non-specific loan paid out to clients in cash or to their accounts intended for purchasing any type of goods or services, paying obligations towards third entities, etc. The actual use of the provided funds is not monitored.

Cash loans are not designed for financing client’s activities associated with their businesses.

Advantages

  • up to CZK 700 thousand is obtained without security
  • operative and time-efficient solution for the payment of a purchase price of any type of goods or services, obligations towards third entities, etc. without monitoring the actual use of the provided funds
  • the loan can be used as a suitable supplement to mortgages and loan products provided under building saving plans
  • private individuals who do not have an account with Česká spořitelna can also apply for this loan

Product Terms and Conditions

Clients are required to meet the bank’s terms and conditions for loan eligibility and demonstrate their capacity to repay the loan to the bank within the specified period from their income.

Additional Information

Product parameters

Loan amount

  • minimum CZK 20 thousand
  • maximum CZK 700 thousand

Loan maturity

  • up to 7 years

Loan security

  • Loans of up to CZK 700 thousand is obtained without security.

Drawing on a loan

  • Immediately in a lump-sum cash payment or by transferring the loan amount to the client’s account for their unrestricted use

Loan repayment

  • The loan is repaid in regular, usually monthly instalments.
  • Instalments are usually non-cash bank transfers from the client’s account based on a collection permit established for giro or current accounts administered by Česká spořitelna or a different bank.
  • Extra instalments can be made at any time.

 

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