Interest rates - Loan products in CZK for entrepreneurs and small
businesses, project financing, freelance professions, public sector and
non-profit sector
Overdraft loan on current account
| Validity: 10.10.2010 |
Currency: CZK |
|
Overdraft loan on a Profit program current
account*
|
13.00 % |
| Validity: 1.08.2011 |
Currency: CZK |
|
Overdraft loan on a Profit program for
corporations
|
13.00 % |
| Validity: 10.08.2006 |
Currency: CZK |
|
Overdraft loan on a Profit program current
account - floods*
|
10.00 % |
| Validity: 3.3.2008 |
Currency: CZK |
|
Overdraft loan on a current account under the Profesional
Program*
|
9.80 % |
|
Overdraft loan on a current account for freelance
professions*
|
9.80 % |
| Overdraft Professional for
freelance professions on ČS Corporate Account |
9.80 % |
| Validity: 1.1.2011 |
Currency: CZK |
|
Overdraft loan on a current account under the World Class Elite
program**
|
13.90 % |
|
Overdraft loan on a current account under the World Class
program**
|
13.90 % |
** Available exclusively from the Expat Centre in Prague 1, Rytířská
ČS Corporate Overdrafts
| Validity: 1.11.2010 |
Currency: CZK |
|
Band
|
interest rate p.a. |
| 20000 - 50000 |
16.90 % |
| 50001 - 300000* |
15.90 % |
| 300001 - 500000* |
14.50 % |
| 500001 - 1000000* |
13.50 % |
Overdraft loan mini Profit*
| Validity: 1.1.2011 |
Currency: CZK |
|
interest rate p.a.
|
14.00 % |
* Overdraft loan
- Overdraft loan on a current account Profit program is no longer available
from 15.11.2010
- Overdraft loan on a current account Profit program - floods is no longer
available from 10.8.2006
- Overdraft loan on a current account under the Profesional Program and
Overdraft loan on a current account for freelance professions is no longer
available from 1.11.2010
- Overdraft loan mini Profit is no longer available from 1.1.2011
- Overdraft loan on a current account under the World Class Elite program and
Overdraft loan on a current account under the World Class program is no longer
available from 1.1.2011
- World Class Elite program is no longer available from 1.2.2008
|
Basic interest rate of Česká spořitelna applicable to clients
(hereinafter only as the BR)
|
6.30 %
|
Česká spořitelna determines the basic interest rate of Česká spořitelna
according to the development of market interest rates. Interest rates
applicable to loans always change as at the date of a change in the basic
interest rate of Česká spořitelna.
Interest rates for loan products are determined individually.
|
Basic interest rate for the TADY & TEĎ overdraft loan* -
loans effected to 12.10.2007
|
5.50 %
|
* From 21.8.2006 Sporoservis products replaced by TADY &TEĎ products
5 PLUS investment loan with EIF guarantee*) - loans effected to
31.5.2007
5 PLUS investment loan
(Fixed interest rate guaranteed for the selected period of fixation)
|
Period of fixation
|
1 year |
2 years |
3 years |
4 years |
5 years |
6 years |
7 years |
8 years |
9 years |
10 years |
|
Interest rate p.a.
|
7.25 % |
7.25 % |
7.30 % |
7.40 % |
7.50 % |
7.60 % |
7.65 % |
7.70 % |
7.80 % |
7.85 % |
*) European Investment Fund
Profit term loan
| Interest rate p.a. |
11.00 % |
Profit term loan mini
| Interest rate p.a. |
12.00 % |
Profesional term loan
| Interest rate p.a. |
8.80 % |
ČS Corporate Loan
| Interest rate p.a. |
from 5.99 % |
ČS Corporate Firemní vykrývací úvěr ČS - instalments
| Interest rate p.a. |
14.70 % |
Mortgage loan products
|
Mortgage loan, additional loan
|
Interest rates are determined individually.
|
Interest rates are determined as variable or fixed with
fixation periods identical to those offered for mortgage loan products for
private individuals.
Visa Business charge card
| Validity: 11.7.2006 |
Currency: CZK |
| 1. Loans drawn through a charge card under contracts concluded on or after
1.10.2004 |
Current interest rate |
|
a) With the total outstanding amount repaid by the due
date
|
0.00 % |
|
b) With the total outstanding amount not repaid by the
due date
|
25.00 % |
| Validity: 11.7.2006 |
Currency: CZK |
| 2. Loans drawn through a charge card under contracts concluded on or after
30.9.2004 |
Current interest rate |
|
a) With the total outstanding amount repaid by the due
date
|
0.00 % |
|
b) With the total outstanding amount not repaid by the
due date but repaid at the latest within one month of the due date
|
12.50 % |
|
c) With the total outstanding amount not repaid by one
month of the due date
|
25.00 % |
Visa Gold charge card
| Validity: 11.7.2006 |
Currency: CZK |
| Loans drawn through a charge card under contracts concluded on or after
1.10.2004 |
Current interest rate |
|
a) With the total outstanding amount repaid by the due
date
|
0.00 % |
|
b) With the total outstanding amount not repaid by the
due date
|
12.50 % |
| Validity: 11.7.2006 |
Currency: CZK |
| 2. Loans drawn through a charge card under contracts concluded on or after
30.9.2004 |
Current interest rate |
|
a) With the total outstanding amount repaid by the due
date
|
0.00 % |
|
b) With the total outstanding amount not repaid by the
due date but repaid at the latest within one month of the due date
|
12.50 % |
|
c) With the total outstanding amount not repaid by one
month of the due date
|
25.00 % |
Kredit card Kredit+ MC Business
| Validity: 11.6.2007 |
Currency: CZK |
| Loan arising from the Kredit+ MC Business card |
Current interest rate |
|
a) With the total outstanding amount repaid by the due
date by the due date
|
0.00 % |
|
b) With a repayment lower than 100% of the total
outstanding amount (but no less than 5% of the drawn amount) by the due
date
|
18.00 % |
|
c) With the total minimum repayment not paid by the due
date
|
29.00 % |
Important information
