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The Česká spořitelna mortgageCharges

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The Česká spořitelna mortgage

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Product List of Charges - The Česká spořitelna mortgage

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Mortgage Loans

Mortgage ČS

The Personal Account of Česká spořitelna for making repayments of the Hypotéka ČS is offered free of charge.
The offer applies to mortgage loans with a discount for making repayments from an active Personal Account of Česká spořitelna, provided that the mortgage contract is signed in the period from April 1, 2011 to July 31, 2011. The condition is to file an Application, including the complete documentation required, by June 30, 2011 and sign the mortgage contract at the latest by July 31, 2011. The offer is valid for the first period of fixed interest rate fixation for the bands Standard I and Standard II of the Personal Account of Česká spořitelna (impossible to combine with Program Vyhod)

   
Complex loan application assessment, incl. commitment    free of charge
Interest rate guarantee for 30 days free of charge
On-line property evaluation free of charge
Loan administration and maintenance - monthly   150
A fee for 1st draw-down *) free of charge
A fee for 2nd and each other draw-down *) 500
A fee for administration of Státní finanční podpora - monthly fee **)   50
Reserving funds for mortgage loans with draw-down period longer than 6 months or 24 months (mortgage for construction, reconstruction and with draw-down period longer than 24 months ***)   0.5% p.a.
A fee at failure to draw-down the whole loan amount  ****)  5% from the unused amount
*) The fee is charged only once within one day
**) The fee is collected monthly from the date of acceptance of the application for state financial support
***) The fee on the unused amount is collected monthly. It is always charged after a 6/24 months period (the 6/24 months period is calculated from the first day of the month following the month in which the loan contract was signed)
****) The fee is charged if more than 10% of the approved loan balance has not been drawn-down. For mortgage loans granted for construction, reconstruction and extension the fee is charged only if more than 20 % of the approved loan amount has not been drawn-down.

Discretionary services of Hypotéka ČS *)

   
Extraordinary instalment made during the rate fixation period without penalty fee  - monthly fee   200
Co-operative apartments financing - monthly fee **) 350
Variability of instalment - onetime fee  3,000
A mortgage up to 100% property value – onetime fee    3,000
Speed up construction - one time fee   3,000
Bridging Mortgage - onetime fee  3,000
Expres draw-down – onetime fee    2,000
Reduction in balance by up to 20% - onetime fee    2,000
Interest rate change guarantee - onetime fee   2,000
Prefabricated house financing - onetime fee 3,000
Prolongation of internest rate guarantee - onetime fee 3,000
*) The fees specified in this point apply to all mortgages granted within the new “ČS Mortgage“ product  (i.e. applications submitted after April 15, 2011 included) as well as to other mortgages (including the Ideal Mortgage) if after April 15, 2011 (included) the concerned service or preferential terms for such mortgages are additionally arranged in an addendum to the loan contract.

The addendum, in which the service is additionally arranged, is free of charge.

The services and preferential terms listed here cannot be arranged for the Private Business Mortgage product or other investment mortgages.

**) It is accounted for in the month in which the client substantiated that the lien on the acquired apartment was registered or at least he submitted ČS the application for entry of the lien into the Land Registry.

Insurance of ability to repay mortgage loan - monthly fee

  Type A – incapacity for work, disability, de  Type B – incapacity for work, disability, death, job loss  
For one client - in the case of insurance arranged as from April 15, 2011 *) 0,0373 % from the extended loan 0,0494 % from the extended loan 
For two clients (for each insured person) - in the case of insurance arranged as from April 15, 2011*) 0,0336 % from the extended loan 0,0445 % from the extended loan
For one client - in the case ofinsurance arranged till 14 April, 2011 *) 0,0333 % from the extended loan 0,0473 % from the extended loan
For two clients (for each insured person) - in the case of insurance arranged till 14 April, 2011 *) 0,0300 % from the extended loan 0,0426 % from the extended loan
*) the fee specified for the cases of insurance effected before April 14, 2011 (included) shall also apply to loan contracts made for the Ideal Mortgage and concluded in the period from April 15,2011 till May 14, 2011, provided that the insurance was agreed to directly in the loan contract
**) for the Private business mortgage loans, also if concluded as from April 15, 2011

Other Items (Private Business Mortgage included)

   
Determination of the price of a flat or a family house in cases when an expert appraisal of the real property subject to the loan is not required from the client during loan negotiations and when the bank concurrently did not receive any acceptable expert valuation.   2,000 1)
Issue of certificate on loan interest for tax purposes   free of charge
Duplicate confirmation of the amount of loan interest paid generated at client’s request   200
Change of contractual terms and conditions upon the client´s request *)
  • if the loan security is released in the course of the loan relationship up to the amount corresponding to the to the part of the loan already paid up
  • cancellation of change of insurance (incl. PPI, life insurance) within the interest rate change period
  • a change of PPI type before or after the interest rate change period
  • a minor change not affecting the payment calendar of loan collateral
  • an extraordinary payment made outside the interest rate change period
  • cancellation of discretional Ideal Mortgage Service during the rate fixation period (excluding PPI insurance)
500
Change of contractual terms and conditions upon the client´s request *) in other cases
  • a change affecting the payment calendar of loan collateral
  • cancellation of insurance (incl. PPI, life insurance) before or after the interest rate change period
5,000
Fee for extraordinary loan installment during fixation - maximum 1/2*extraordinary installment amount*current interest rate*number of years till the end of fixation (including already initiated)
*) the price determined at the Appendix signing
1) it is a part of a deduction exempt activity if used solely for the purpose of the bank – loan extension. If an expert appraisal is provided to the client for other purposes, it is subject to 20% VAT
TextPrice (CZK)
onetime fee 1,999 1)

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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