Refinance your mortgage online and get a rate of 1.99%
Just fill in the online calculator on this page and the following form with information about you and the required loan, and a rate of 1.99% p.a. will be available to you.
No processing or maintenance fees
You do not pay us for processing a new mortgage loan or maintaining a credit account. Refinancing does not involve any hidden terms or conditions.
Plan online for up to two years in advance
Fill in the online form to transfer your mortgage to us – you can do it up to two years ahead of time.
Calculate how much you will save if you remortgage to us
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: The total amount of the loan is CZK 2 500 000. The monthly repayments are CZK 11 059 (including principal and interest). Number of repayments: 300. The interest rate is fixed for five years at 2.34 % 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 4 400. Loan term: 25 years. The annual percentage rate charged (APR) comes to 2,43 % and the total amount to be repaid by the consumer is CZK 3 318 669 (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.