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Česká spořitelna

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hyponamiru.cz / Providers / Česká spořitelna

At Česká spořitelna you can arrange not only a new mortgage but also refinance your existing mortgage loan. Find out what benefits Česká spořitelna offers, what current discounts you can get and how much you will pay in fees.

Objem

300 000 Kč
až 25 000 000 Kč

Splatnost

5 až 30 let
max. věk 70 let

LTV

až 90%

Sazba

od 2,44%

hyponamíru | 29. 7. 2019

Obsah článku

  • Advantages of a mortgage with Česká spořitelna
  • Discounts
  • Terms and conditions of a mortgage from Česká spořitelna
  • Insurance
  • Fees

Česká spořitelna has a very long tradition on the Czech market. It is the largest bank in the Czech Republic in terms of the number of clients. Its services are used by more than 4.63 million people. Česká spořitelna provides its clients with a wide range of banking products and services from current account management to consumer loans, savings accounts, insurance, investments and mortgages. In 2018, Česká spořitelna granted 23,289 new mortgage loans with a total volume of almost CZK 51.2 billion. The volume of the total mortgage portfolio exceeded CZK 250 billion. You can arrange a mortgage from Česká spořitelna online at hyponamiru.cz

Compare the mortgage market

Advantages of a mortgage with Česká spořitelna

  • Pre-mortgage loan (e.g. for the purchase of a cooperative housing)
  • No mortgage processing and administration fees
  • Variability of repayments (possibility to increase or decrease the monthly repayment by up to 30%)
  • Interruption of mortgage repayment for up to 3 months
  • Insurance for 50% of the loan amount
  • Additional part of the loan up to 400 000 CZK for equipment
  • Free property appraisal for refinancing
  • Possibility to calculate the turnover income for self-employed persons

Discounts

Type of discountAmount of discount
Discount for using your ČS account0,50 %
The discount for repayment protection insurance (PPI)0,20 %
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Terms and conditions of a mortgage from Česká spořitelna

Basic account

  • FREE account management
  • Outgoing payment 5,- to 7,- CZK
  • ATM withdrawal 5,- CZK

Account Moje zdravé finance

  • Account management 100,- CZK
  • Discount of CZK 50,- for arranging a mortgage or other Česká spořitelna product
  • Discount 50,- CZK for turnover of min. 7 000,- CZK + 1x card payment at the merchant
  • Free withdrawals from Česká spořitelna ATMs

Insurance

The price is based on the mortgage repayment – the advantage is that if you make an extra deposit the repayment is reduced.

NameDeathsDisabilityWork incapacityLoss of employmentPrice
StandardYESLevel 3YESYES8.50% of the instalment
PlusYESLevel 3YESYES9.50% of the instalment
Standard 50%50% of the loan amount
Plus 50%50% of the loan amount

Death insurance
The amount of the outstanding principal of the mortgage loan is credited to the account.

Disability
Only for determination of 3 degrees.

Incapacity for work
Must be longer than 30 days then the repayment including fees will be paid on account for a maximum of 12 months.

Loss of employment
Does not apply to loss of employment arising from termination of employment at will or during the probationary period, or where the termination date was known to the employee prior to agreement. Does not apply for redundancy, job abolition or health reasons of more than 30 days.

Fees

FeesDirectly in the bankWith hyponamiru
Mortgage processingFreeFree
Express pumping 2 000 CZKFree
Variability of instalments3 000 CZKFree
Bridge financing3 000 CZKFree
Accelerated construction3 000 CZKFree
First drawdown FreeFree
Second and further drawdowns500 CZKFree

Express drawdown
Drawdown as early as the next day for a pledge deposited at the Land Registry.

Variability of instalments
Possibility of reducing or increasing repayments by 30%, interruption of repayments for up to 3 months.

Bridge financing
In case you are selling a property and counting on the funds from the sale.

Accelerated construction
Possibility of drawing CZK 500,000 above the current value of the property.

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Frequently asked questions

With which Czech banks do you have the best experience?

Obsah článku

  • Advantages of a mortgage with Česká spořitelna
  • Discounts
  • Terms and conditions of a mortgage from Česká spořitelna
  • Insurance
  • Fees

The most client-oriented bank is certainly Hypoteční banka with their speed of request processing, the service quality, the range of checking accounts they offer, and the interface called “Mortgage Zone”. Other such banks include Komerční banka, Moneta and Raiffeisenbank.

Do you deal with new mortgages as well as refinancing?

Obsah článku

  • Advantages of a mortgage with Česká spořitelna
  • Discounts
  • Terms and conditions of a mortgage from Česká spořitelna
  • Insurance
  • Fees

Yes, we deal with both new mortgages as well as refinancing of the existing home mortgage loans. Our specialists will find a solution for you in either case – a solution you can afford.

How long does it take to arrange a mortgage?

Obsah článku

  • Advantages of a mortgage with Česká spořitelna
  • Discounts
  • Terms and conditions of a mortgage from Česká spořitelna
  • Insurance
  • Fees

A mortgage can be arranged within a month or three. The whole process usually takes around two months. The reason behind it is mostly the approval process on the side of the banks. However, there’re plenty of possibilities to speed up the mortgage application and we know them. Check it out for yourself.

Can a mortgage be really arranged online?

Obsah článku

  • Advantages of a mortgage with Česká spořitelna
  • Discounts
  • Terms and conditions of a mortgage from Česká spořitelna
  • Insurance
  • Fees

Yes, it can. Thanks to the latest technology we’re using, you really don’t need to go to the bank to arrange a mortgage. Check it out for yourself.

We facilitate consumer credit as a tied agent registered by CNB under company ID number 05736501. We are also registered as an independent consumer credit broker of commercial company Broker Trust, a.s., company ID number: 26439719.

@ 2023 The company Hypo na míru s.r.o. is registered at the Municipal Court in Prague, file number C 269834, company ID number: 05736501.