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Product List of Charges - American mortgage

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American mortgage – Consumer and Cash

Acceptance, assessment and evaluation of a loan application - American Mortgage, loan account administration and maintenance

   
American mortgage   0.8% of the required loan amount, minimum 5,000; maximum 20,000
American mortgage loans extended in combination with standard mortgage loans.   0.4% of the required loan amount, minimum 2,500; maximum 10,000
Loan account administration and maintenance – monthly fee   97
The fee is collected upon the signing of the loan agreement

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) - 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) - 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

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   0.2% from the current balance, minimum 100 maximum 1,500
Cash installment of a loan   free of charge
Reimbursement of costs associated with an extraordinary loan installment  (for loans arranged from 1 December 2006)    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)     0.5% from the extraordinary installment amount 1% from the extraordinary installment amount

General items

Assessment of risks associated with assets held as security (eligibility assessment)

  Valuation of real estates in their existing condition   Real estates under designing, construction, reconstruction  
Housing unit pursuant to Act no. 72/1994 Coll.  3,900 4,400
Housing unit pursuant to Act no. 72/1994 Coll. - without the site inspection in individually justified cases*)  500 x
Non-residential space pursuant to Act no. 72/1994 Coll.   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 the bank believes the risks assesment of the pledged property 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 pledged property risks assessment made by an expert appraiser assigned by ČS

Other Items

   
Defaulted client administration 300
Reminder notice (notice for payment) in the event of loan payment default   postage
Confirmation of account balance generated at client’s request  500
Express (on-line) housing unit valuation by the bank   free of charge
*) Depending on the length of defualt may be a fee charged repeatedly

The Product Price List is for information only; it contains informative prices of services tied to the product. Prices in the Product Price List may be composed of multiple items and the final price is fixed in line with the List of Tariffs and Fees of Česká spořitelna, a.s. for Banking Transactions specific for the relevant client segment.

05/15/2012

Interest Rates

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