Payment options based on your needs
The Variable Payment feature allows you to increase or decrease your repayments by up to 30% or even suspend payments for up to 3 months.
Arrange online quickly and conveniently
Is it possible to arrange savings on your mortgage without getting out of your chair? Yes, it is. We will work with you to refinance your loan without the need for you to visit one of our branches.
No processing or maintenance fees
Forget about any processing fees. Furthermore, we’ll arrange for your property to be valued free of charge.
Calculate how much you will save if you remortgage to us
Have you had a better offer?
If you've had a better offer elsewhere, call us on 800 879 888 or leave your contact details and we'll get back to you!
Save on interest
You can obtain a more favourable interest rate up to one year before the expiry of the interest rate arranged at your current bank.
Refinancing your mortgage is fast
There is no need to have a new property valuation done or to set up an account at Česká spořitelna. All you need is a simple confirmation of your income.
160 000
clients have a mortgage with us
one quarter of all mortgages are taken out with Česká spořitelna
100 %
recommend online refinancing
everything can be arranged without having to visit a branch
2 000
new clients per month
take a mortgage with us
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Frequently asked questions
Can I borrow more money on top of the original mortgage?
Yes, you can thanks to our mortgage equity.
What are the fees for refinancing a mortgage?
None. Even the property valuation is free of charge.
Can I arrange payment protection insurance to go with the mortgage equity?
Yes, we offer special payment protection insurance.
Can you provide a representative example for refinancing a mortgage?
Representative example: TThe total amount of the loan is CZK 1 800 000. The monthly repayments are CZK 8 425 (including principal and interest). Number of repayments: 300. The interest rate is fixed for five years at 2.84 % per annum. The fees associated with the loan form part of the total loan costs and include administration fees of CZK 4 000 for entering and deleting the bank’s mortgage interest over the property in the land registry and a property appraisal fee of CZK 3 900. Loan term: 25 years. The annual percentage rate charged (APR) comes to 2,96 % and the total amount to be repaid by the consumer is CZK 2 536 806 (assuming the interest rate does not change for the entire term of the loan).
Interest rates take into account the discount for making repayments from an active Česká spořitelna Personal Account (0.5%) and the discount for arranging payment protection insurance from the insurance company Pojišťovna České spořitelny (0.2%). The interest rates are available for loans of up to 85% of the property value as determined by the property appraisal (LTV). There is no mortgage establishment fee or administration fee. Statements are provided free of charge. More information can be found here. If you wish to choose a different fixed-interest rate period than that which is set out in the options, please contact our mortgage Specialist on tel.: 956 777 455.
Note: The representative example and loan calculator are for informational purposes only. They do not constitute an offer to enter into any contract or the obligation to enter into a loan agreement or any other banking service agreement with us.
All calculations and data, including information about interest rates and monthly payments, are estimates only. Final loan terms may differ depending on your credit rating and assessment of your ability to repay the loan. The terms will be set out in your loan agreement.
The provider is not providing advice in accordance with Section 85 of Act No. 257/2016 Coll., on Consumer Credit.
