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Product List of Charges - Cash loan

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Consumer loans, cash loans

Acceptance, assessment and evaluation of a loan application, loan account administration and mainte nance

  Loans Konsolidace extended from 1 July 2011 - monthly fee Oher loans extended from 1 November 2009 – monthly fee    Loans Plus extended from 13 April 2011 - monthly fee  Other loans extended from 1 January 2005 till 31 October 2009 – monthly fee   Other loans extended till 31 December 2004 – annual fee (for each commenced calendar year)  Loans extended based on special legislation – annual fee (for each commenced calendar year 
Acceptance, assessment and evaluation of a loan application *) 2% of the required loan amount, minimum 600, maximum 10,000 1% of the required loan amount, minimum 400 1% of the required loan amount, minimum 400, maximum 10,000  1% of the required loan amount, minimum 400 1% of the required loan amount, minimum 400 1% of the required loan amount, minimum 400
Loan account administration and maintenance  59 59 95 49 500 300
*) the fee is collected upon the signing of the loan agreement. The fee is not charged for loans extended to university student, contractual loan

**) the fee is not charged for loans extended with the HERE & NOW (TADY & TEĎ) products (including Purchase Loan) - services have been terminated as of 31 December 2007, contractual loa, loans by Phone services - services have been terminated as of 21 August 2006

For underwriting insurance to cash and consumer loans – monthly fee

  A insurance set - Long-term incapacity for work, full disability, death  B insurance set (loans extended from 1 November 2009) - job loss, long-term incapacity for work, full disability, death   B insurance set (loans extended till 31 October 2009) - job loss, long-term incapacity for work, full disability, death  
Loans up to CZK 49,999   75 115 95
Loans from CZK 50,000 to CZK 99,999   95 155 135
Loans from CZK 100,000 to CZK 149,999   135 205 175
Loans from CZK 150,000 to CZK 199,999   155 255 215
Loans from CZK 200,000 to CZK 249,999   175 315 255
Loans from CZK 250,000 to CZK 299,999   205 365 305
Loans from CZK 300,000 to CZK 349,999   235 425 395
Loans from CZK 300,000 to CZK 349,999   265 475 455
Loans from CZK 400,000 to CZK 449,999   295 535 505
Loans from CZK 450,000 to CZK 500,000   335 615 585
Loans from CZK 500,001  0.0601% from the extended loan 0.0160% from the extended loan x 

For underwriting insurance to loans extended with HERE & NOW products – monthly fee

  A insurance set - long-term incapacity for work, full disability, death   B insurance set - Job loss, long-term incapacity for work, full disability, death  
Loans up to CZK 14,999   39 75
Loans from CZK 15,000 to CZK 49,999   75 95
Loans from CZK 50,000 to CZK 100,000   135 175

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)   4% 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 extraordinary installment amount 1% from the extraordinary installment amount
Reimbursement of costs associated with an extraordinary loan Plus insallment (for loans arranged from 9 December 2012 - volume 600 001 czk and more  free of charge
Reimbursement of costs associated with an extraordinary loan Plus installment  (for loans arranged till 9 December 2011) free of charge

General items

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

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