Mortgage Refinancing

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.


Frequently asked questions

Yes, you can thanks to our mortgage equity.

None. Even the property valuation is free of charge.

Yes, we offer special payment protection insurance.

Representative example: The total amount of the loan is CZK 3 000 000. The monthly repayments are CZK 14.043 (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 4 400. Loan term: 25 years. The annual percentage rate charged (APR) comes to  2.94 % and the total amount to be repaid by the consumer is CZK 4.222.558 (assuming the interest rate does not change for the entire term of the loan).


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.

Important Documents