Credit

Complete overview of products and services included in the section Credit

This list contains an overview of the products and services included in the Credit section of Komerční banka. The product and service overview is arranged in alphabetical order.

• 2 in 1 Mortgage

  Do you want to buy your own flat, build a house or reconstruct your real estate? Would you like to gain money for housing as well as for other purchases? Then the 2 in 1 Mortgage is designed just for you – a loan that will allow you to obtain money for anything you want!

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• A Card

  A smart card that will make your shopping more enjoyable through numerous discounts, save your time and help you save for retirement. The A Card is an international embossed credit card that provides continuous access to interest-free credit.

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• Authorised Overdrafts for Individuals

  With authorised overdraft for drawing on your current account into the red, you will be able to shop without concerns. With an authorised overdraft, you do not need to worry about a lack of funds for your everyday requirements or for the settlement of standing orders.

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• Back and Forth Mortgage

  The Back and Forth Mortgage allows you to obtain a mortgage before you have selected a specific piece of real estate. The agreed loan terms and conditions are valid for up to 6 months – KB guarantees the agreed interest rate for this period. What is more, you can combine the mortgage with other types of mortgages (Flexible Mortgage or 2 in 1 Mortgage).

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• Bridging Mortgage Loan

  If you have Modrá pyramida building savings or capital life insurance and would like to invest in a home, you can make use of a bridging mortgage loan. With this loan, you can finance up to 100% of the price of the real estate.

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• Building Savings

  The Building Savings product is one of the best ways to increase your savings in value, while being exposed to minimum risk. Take advantage of high interest rate on your deposits and get a state support on the top of it. The Building Savings may be used purely as a savings product, using the saved up funds for anything you might need. Alternatively, you may use the product as a loan to purchase or refurbish your housing. Take advantage of the extensive Wise Savings product offer and get the Increasing Interest and many other benefits.

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• Credit Card VISA Electron

  VISA Electron international credit card provides continuous access to interest-free credit regardless of the current status of your current account. Shop without any worries!

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• EKO Loan and the “Zelená úsporám” Programme

  If you would like to invest in energy savings for your home, we can offer you an EKO Loan with its favourable interest rate. Thanks to cooperation between Komerční banka and the State Environmental Fund, we can also grant you the possibility of receiving a subsidy from the “Zelená úsporám” (Green Savings) programme.

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• ESSOX Benefit Credit Card (formerly the T-Mobile Bonus Credit Card)

  Convenient credit card with an unique grace period in the Czech Republic! This card will be no longer available for new clients and will be kept only for current KB active card holders. As of 1 January 2013 with a new, very popular benefit – monthly one withdrawal with T-Mobile Bonus Credit Card from KB ATMs free of charge.

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• Flexible Mortgage

  Flexible Mortgage – a loan, which adapts to suit your requirements! Take advantage of the possibility of decreasing your monthly instalments, paying an extraordinary instalment free of charge, deferring the start of repayment or interrupting repayment by up to 3 months. With Flexible Mortgage, you can gain up to 100 % of the amount you need!

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• Garant Loan

  The GARANT loan, a cash loan for anything. We process the loan quickly and subject to more advantageous conditions than for a classic cash loan. The loan is secured with real estate.

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• Gaudeamus Loan

  A Gaudeamus Loan is intended for secondary school and university students. You can finance anything that you need for your studies with this loan (tuition fees, a computer, studies abroad, learning aids, etc.). You can postpone payment of the principle until after you complete your studies. You can take advantage of discounts on language courses abroad offered by partners of KB.

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• Lady Card

  Lady Card is a unique card that you can use not only to pay for your shopping or withdraw cash, but also to enjoy discounts and gifts within our partnership network. Furthermore, you can also make use of interest-free credit, and with every purchase that you make, we will contribute 1% to your pension savings (III. pillar) account.

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• Loan for Real Estate

  Would you like to replace your furniture? Are you planning a bigger reconstruction project or want to buy a cooperative share? Make use of a real estate loan – a specific-purpose loan for financing investment in housing undermore advantageous conditions. You now also get free creditor protection insurance.

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• Loan Without Risk - Perfect loan

  A Perfect loan – for anything you want! With no charges, no waiting and no need to save, the loan is available within 24 hours. You also have the possibility of free creditor protection insurance. If you use KB Internet banking and have a pre-approved credit limit, you can arrange the loan on-line via the MojeBanka application.

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• Loan Without Risk - Personal Loan

  Do you need funds quickly? Make use of a Loan Without Risk – a personal loan available within 24 hours. In addition, you have the possibility of free creditor protection insurance, and if you use MojeBanka internet banking and have a pre-approved credit limit, you can arrange the loan on-line as well.

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• MojePůjčka Plus

  If you are paying off one or more consumer loans, you can make use of a new product called MojePůjčka Plus.  It will allow you to increase the loan principle while keeping your instalments the same as for your existing product. Furthermore, you do not need to document your income.

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• Mortgage Loan

  Do you want to buy a house or flat and live in your own home at last? Do you need to resolve problems with co-ownership of real estate or inheritance proceedings? Do you want to buy a cooperative flat? Do you want better housing? Make use of a Mortgage loan and invest in your own home!

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• Optimal Loan

  Are you over your head in loans? We have the optimum way to decrease instalments on all your loans. In addition to this, you also save on the charges that you pay every month for various loans. With the Optimal loan, you can consolidate your current consumer loans, credit cards and authorised overdrafts.

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• Premium Loan

  Would you like to fulfil your wishes immediately, without waiting and saving? Have you chosen something you need or what you desire, but don’t have enough money for it at this time? Don’t wait and get it now. Make use of our Premium Loan intended to finance you personal needs (car, trip around the world, pool etc.).

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• Pre-mortgage Loan

  The combination of a pre-mortgage and mortgage loan will allow you to finance housing if you still do not have any real estate suitable for use as security. With a Pre-mortgage Loan you can build or reconstruct a house yourself.

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