Fee-free mortgage
Loan origination, maintenance of both checking and loan accounts, fund reservation, and drawdowns are all free of charge.
Competitive rate
Our rates are among the most competitive on the market. You can choose a fixed-rate period of 1, 2, 3, or 5 years. You can easily calculate your rate and monthly payments using our mortgage calculator.
How you will save with our mortgage
- Repayment rewards
- 0,2% discount on mortgage repayment insurance
- Free internal property appraisal
- Lower interest rates with a mortgage savings account
Do you have at least CZK 50,000 in savings? If you deposit it into a free mortgage savings account, it will lower your interest rate and reduce your monthly mortgage payments. Your money remains available at any time, allowing you to save every single month.
| Rate type | Rate fixed for 3 years | |
|---|---|---|
| Mortgage amount | from 1,5 mil. CZK | - |
| Refinancing | 4,58 % | 4,58 % |
| Purchase | 4,58 % | 4,58 % |
| Other | 4,58 % | 4,58 % |
The interest rates apply to mortgages up to a maximum of 80% LTV (loan-to-value) and with mortgage repayment insurance in place. Rates for fixed periods other than 3 years can be found in our price list or via our mortgage calculator.
Mandatory information in advertising
Current rewards/discounts
- Once the conditions are met, we will pay out a reward from the interest paid at the end of the fixation period.
| New / refinanced mortgages | |
|---|---|
| Mortgage amount | *Reward from interest paid |
| Up to CZK 3,000,000 | 0 % |
| From CZK 3,000,000 | 3 % |
| From CZK 4,000,000 | 4 % |
| From CZK 5,000,000 | 5 % |
| From CZK 10,000,000 | 6 % |
* The reward does not apply to 1-year fixation periods, loans for construction, renovation, or property remodeling, and loans with a maturity of less than 10 years.
If you continue repaying your loan with Fio banka even after your first fixation period ends, you can get an even higher reward.
| Mortgages upon rate renewal | |
|---|---|
| Remaining mortgage balance | Reward from interest paid* |
| Up to CZK 1,000,000 | 0 % |
| From CZK 1,000,000 | 3 % |
| From CZK 3,000,000 | 6 % |
| From CZK 4,000,000 | 7 % |
| From CZK 5,000,000 | 8 % |
| From CZK 10,000,000 | 9 % |
* The reward does not apply to 1-year fixation periods and loans with a maturity of less than 10 years.
Illustrative example
Mr. Smart took out a mortgage loan of CZK 4,500,000 to purchase an apartment, with a maturity of 30 years and a 3-year fixation period. His interest rate was 4.78% p.a.
Throughout the first fixation period, he made all loan repayments properly and on time, made no extraordinary repayments, and met all the conditions of the Repayment Reward program. During this period, he paid a total of CZK 630,510.67 in interest.
Since his loan falls into the bracket eligible for a 4% interest refund, he will be entitled to a reward of CZK 25,220.43 at the end of the first fixation period.
This amount will be applied as an extraordinary principal repayment of the mortgage loan, thereby reducing his outstanding principal and, subsequently, his regular monthly installment.
Note: This example reflects only the reward amount for the first fixation period. The reward amount for the second and any subsequent fixation periods cannot be reliably determined at the time of loan inception, as it depends, among other factors, on the remaining principal balance at the start of the respective fixation period and the interest actually paid during that period. Therefore, the exact reward amount will always be calculated for the client prior to the start of each new fixation period and communicated via Internetbanking.
Interested in our mortgage offer?
Schedule a meeting with our mortgage specialists, who will be happy to answer your questions and advise you on the best way to finance your housing.
Calculate Mortgage Contact a mortgage specialist
Got a better offer?
If you have received a better offer elsewhere than what we provided, write to our mortgage specialists. We will try to do something about it—perhaps match it or even beat it.
Representative example:
Loan amount: CZK 3,000,000; maturity: 20 years; total of 240 monthly installments of CZK 19,435.90; fixed interest rate: 4.78% p.a. (without insurance discount); fixation period: 3 years; APR: 4.92% p.a.; total amount payable: CZK 4,674,007.06.
Bank fees associated with the Loan: Current account with internet banking: CZK 0. Third-party fees: property appraisal: CZK 5,000 (CZK 0 if an appraisal already exists); Land Registry fees: CZK 4,000. Collateral: mortgage/pledge over real estate, including property insurance.
