- On the Giro account Personal
Account of Ceska sporitelna, ABSOLVENT Personal Account of Ceska sporitelna and
Student Personal Account of Ceska sporitelna, the Exclusive Account giro
account, the Comprehensive Program giro account, the Benefit Program giro
account, the Senior giro account, giro account and the Program Student+
giro account, Mini Overdraft Loan by Česká spořitelna1) on giro
accounts Personal Account of Ceska sporitelna, ABSOLVENT Personal Account of
Ceska sporitelna and Student Personal Account of Ceska sporitelna
Interest rate per annum
Interest rate per month
Current rate:
18.90 % p.a.
1.575 % p.m.
Prime rate*):
11.90 % p.a.
0.992 % p.m.
*) The Prime Rate for overdraft loans (accounts) is provided only after
fulfilling the conditions set by the bank, Prime Interest Rate not applicable
on Mini Overdraft Loans of Česká spořitelna
1) Mini Overdraft Loan available only on Personal Account of
Česká spořitelna
Cash loan
fixed interest rate
Validity: 1.7.2010
Currency: CZK
Loan type
PRIME RATE
Cash loans
min. 8.00 %
of which: American mortgage - cash loan
min. 6.25 %
Consumer loans
fixed interest rate
Validity: 1.7.2010
Currency: CZK
Loan type
PRIME RATE
Consumer loans (min. loan amount CZK 100,000)
min. 6.25 %
of which: American mortgage - consumer loan
min. 5.95 %
Loans for studies for university students
fixed interest rate
Validity: 1.5.2003
Currency: CZK
Loan type
Interest rate per annum
Loan for studies for university students
8.90 %
Mortgage loan products
Validity: 1.2.2012
Currency: CZK
Loan type
Interest rate for new deals from
Mortgage from Česká spořitelna
Minimal interest rates*
Interest rate determined
as fixed for 1 year
4.09 %
Interest rate
determined as fixed for 2 years
4.09 %
Interest rate determined
as fixed for 3 years
3.39 %
Interest rate
determined as fixed for 4 years
3.39 %
Interest rate determined as
fixed for 5 years
3.39 %
Interest rate determined as
fixed for 10 years
4.29 %
Interest rate determined as
fixed for 15 years
individually
Variable interest rate
1M PRIBOR + deviation of at least 1.5 %
*Minimum interest rates are interest rates with a discount for making loan
repayments from an active Personal Account of Česká spořitelna, with a
repayment capacity insurance arranged with PČS on death, full disability,
incapacity for work and loss of employment and in the case of a 3-5 year
interest rate fixation with a discounted preferential interest rate.
Validity: 30.5.2011
Currency: CZK
Loan type
Interest rate
TOP
Housing mortgage (product is no longer provided)
Standard*
Interest rate determined as fixed for 5
years
5.39 %
*Standard interest rate for Česká spořitelna’s mortgage loans is declared
for calculating the interest rate for next period under the loan agreement. It
cannot be combined with discount for paying from an active Česká spořitelna
Personal Account, repayment ability insurance and favourable interest
mortgage.
Validity: 18.6.2010
Currency: CZK
Loan type
Interest rate
Supplementary loan (the product is no longer
available)
Minimum
Interest rate determined as fixed for 1 year or 5 years
7.59 %
Kredit+ credit card loan
Validity: 1.2.2010
Currency: CZK
Type of a card
Interest rate per annum
Interest rate per month
1. Loan drawn by means of a credit card according to a
contract concluded on or before 31.12.2001:
a) With repayment of 100% of the drawn loan
12.50 % p.a.
1.04 % p.m.
b) With repayment of less then 100% of the drawn
loan
14.50 % p.a.
1.21 % p.m.
2. Loan drawn by means of a credit card according to a
contract concluded after 1.1.2002:
a) With repayment of 100% of the total outstanding
amount by the due date (applies exclusively to non-cash payments with a
card)
0 % p.a.
0.00 % p.m.
b) With repayment of less then 100% of the total
outstanding amount (but no less than 5 % of the drawn amount)
19.80 % p.a.
1.65 % p.m.
c) With repayment of less then 100% of the total
outstanding amount (but no less than 5 % of the drawn amount) for credit cards
issued in conjunction with endowment insurance
18.60 % p.a.
1.55 % p.m.
Current minimum payment limit is CZK 9
Cool Card loan
Validity: 1.2.2011
Currency: CZK
Interest rate per annum
Interest rate per month
a) 100% repayment of the withdrawn amount before
the repayment date - non-cash/card payments only
0.00 % p.a.
0.00 % p.m.
b) less than 100% repayment of the withdrawn
amount - card payments
19.08 % p.a.
1.59 % p.m.
c) less than 100% repayment of the withdrawn
amount - cash withdrawals
23.88 % p.a.
1.99 % p.m.
d) when withdrawing funds through "Loan on Cool
Card" service
19.08 % p.a.
1.59 % p.m.
e) when withdrawing funds through "Balance
Transfer on Cool Card" service
9.90 % interest rate p.a. during 6 month period
following the transaction date, after that 19.08 % p.a.
0.83 % interest rate p.m. during 6 month period
following the transaction date, after that 1.59 % p.m.
f) if funds drawn down under
Instalment Program (cash and non-cash)
19.90 % p.a. for 12 and 24 month maturities
18.70 % p.a. for 36 and 48 month maturities
1.66 % p.m. for 12 and 24 month
maturities
1.56 % p.m. for 36 and 48 month maturities
Current minimum payment limit is CZK 9
Loans from the Pension Card of Česká spořitelna*
Validity: 1.10.2011
Currency: CZK
Interest rate per annum
Interest rate per month
a) 100% repayment of the withdrawn amount before
the repayment date - non-cash/card payments only
0.00 % p.a.
0.00 % p.m.
b) less than 100% repayment of the withdrawn
amount - card payments
23.88 % p.a.
1.99 % p.m.
c) less than 100% repayment of the withdrawn
amount - cash withdrawals
23.88 % p.a.
1.99 % p.m.
d) when withdrawing funds through "Loan on Cool
Card" service
23.88 % p.a.
1.99 % p.m.
e) when withdrawing funds through "Balance
Transfer on Cool Card" service
9.90 % interest rate p.a. during 6 month period
following the transaction date, after that 23.88 % p.a.
0.83 % interest rate p.m. during 6 month period
following the transaction date, after that 1.99 % p.m.
f) if funds drawn down under
Instalment Program (cash and non-cash)
19.90 % p.a. for 12 and 24 month maturities
18.70 % p.a. for 36 and 48 month maturities
1.66 % p.m. for 12 and 24 month
maturities
1.56 % p.m. for 36 and 48 month maturities
* available from November 15th 2010. From October 1st 2011 the Cool Card
PLUS of Česká spořitelna changes its name to Pension Card of Česká spořitelna.
Parameters and terms for card and card account use remain unchanged.
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