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Hypotéka České spořitelny

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Česká Spořitelna Mortgage Services

  • You choose your services yourself to suit your needs
  • You can modify you mortgage at any time during repayment
  • You know precisely how much you are paying for the services you have chosen

Free

The Česká Spořitelna Mortgage never has a processing fee, and in addition it offers the following free services:

A 30-day interest rate guarantee - You needn’t worry about a rise in interest rates from the time a mortgage offer is made to you until the signing of your mortgage agreement. We guarantee you your interest rate for 30 days.

On-line property valuation - We will get you an estimate of the value of a flat, as required for the processing of our mortgage, directly at our branch.

Tip: Get a 0.5 % discount on the interest rate! You only need to repay your mortgage from your actively used Česká Spořitelna Personal Account

You can choose services according to your needs from the individual sections. You will know precisely what you are paying for – you will not pay for anything you cannot use.

At the beginning of the mortgage

In this section, you can choose the services you will use immediately when obtaining a mortgage.

Express draw-down – We will enable you to draw down your mortgage on the day following the signing of the loan agreement, provided all draw-down conditions have been met.

Up to 100 % of the value of the property - We will give you a mortgage up to the value of the pledged property. You do not have to put down any money of your own, so you can use it, for example, for furnishing your new home or for investing advantageously.

Bridge financing - We will make it easier for you to move to your new home. With your mortgage, we will give you a short-term loan to bridge the period between when you need money to finance your new home and the sale of your existing property.

Financing for cooperative-owned flats - We will enable you to take a mortgage for purchasing a cooperative-owned flat, even though you temporarily cannot secure the mortgage with a pledge to the flat and you do not have any other property for securing the mortgage. You can also use this advantage when purchasing a flat from a municipality.

Accelerated construction – In the case of mortgages for the purposes of “building, completion, and renovation”, we will allow you, at the time of your first application for a gradual draw-down for construction work, to draw down a mortgage that exceeds by up to CZK 500,000 the current value of the pledged property.

Complet mortgage – You can use part of the mortgage for housing purposes. We provide the money for the same interest rate that you have agreed for the main purpose of your mortgage.

Turnover mortgage for entrepreneurs – For the purposes of assessing your application for a loan you can prove income only to the turnover of your tax return. If your business is not over the loss for the previous tax period, we acknowledge you up to 20% of turnover as your income.

Buy to let mortgage – You can buy a property to rent out. For the purposes of assessing your application for a loan you can prove future rental income.

During repayment

In this section, you can select services that you can use in the repayment of your mortgage, either right at the beginning or at any time during the term of the mortgage.

Variable payments – We will enable you to postpone your payments (i.e., interrupt repayment) at the beginning of the loan relationship or during its course. Similarly, you can also change the amount of your regular instalments to suit your needs at any time.

Extraordinary payments – We will enable you to put down extraordinary mortgage payments even during a fixed interest rate period.  You can choose the duration of the fixed interest rate period to suit your needs, and not according to when you need to make an extraordinary payment.

Discount for paying from an active account at CS - If you repay your mortgage from your actively used Česká Spořitelna Personal Account and direct your regular income to that account, we will give you a discount on your mortgage interest rate.

Insolvency insurance – You can insure yourself against the event that you are unable to repay. In the case of your death, full disability, or inability to work, the insurance company will pay your instalments for you. Obtaining the insurance is simple and advantageous – the insurance is a part of your loan agreement. You can even include a co-debtor in the insurance policy.

Insolvency insurance even in the case of a loss of employment – You can insure yourself against the event that you are unable to repay. In the case of your death, full disability, inability to work, or unemployment, the insurance company will pay your instalments for you. Getting the insurance is simple and advantageous – the insurance is a part of your loan agreement. You can even include a co-debtor in the insurance policy.

Refinancing of your mortgage which you have in another bank - We can very easily refinance your mortgage which you have in another bank with a better mortgage in Česká spořitelna. You don´t need to submit new estimation of the property. We quarantee your interest rate up to one year in advance. 

Mortgage with bonus

Get discount 0,3 % of interest rate for the first fixation period and financial bonus 4 % of drawn amount of mortgage which you can use for anything.

Bonus is paid partly at the beginning of the second and each other fixation period up to 20 years after signing of mortgage contract.

 

Come to a Česká Spořitelna branch or Mortgage Centre, where our expert advisors will be happy to guide you through the Česká Spořitelna Mortgage in person.  You can also obtain more information at www.hypotecnicentrum.cz [new window] and at the toll-free information line 800 207 207.

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