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Building Savings

Advantageous building savings with KB.

The Building Savings product is intended for:

  • Clients who are considering purchasing, refurbishing or furnishing a flat or house
  • Clients who are looking for an advantageous way to save up money

Characteristics of the Building savings:

  • Product with state support
  • Predominantly for support of housing
  • Allows you to save up financial funds and, at the same time, take out the missing amount of the required funds in the form of a loan under beneficial terms (however, the loan utilization is not a precondition for establishing building savings)

Advantages of the Building Savings:

  • High returns – Modrá pyramida provides an interest rate for savings of 2% p.a.
  • Right to receive state support for the whole period of savings
  • State support of up to CZK 2,000 per year
  • Safe way to save up money – the building savings deposits are insured by law for up to EUR 100,000

Wise Savings with Increasing Interest

Increasing Interest:
  • Get an interest rate bonus thanks to the Increasing Interest within the Wise Savings product group. Your deposits will be subject to an interest rate of up to 3% p. a. (see the table below). Now with a 50% off a fee.*
  • In case you have a building savings contract with Modrá pyramida after the statutory binding period or you are nearing the binding period, then the offer is intended just for you.
  • Conclude a Wise Savings contract with a bonus of CZK 2,000 and get a future interest rate bonus now.
Main benefits:
  • 50% off the fee for increasing the target amount
  • Interest rate bonus (beneficial interest rate depending on the account balance)
  • All benefits of the Wise Savings on the top of it
Balance of the Building Savings account Interest rate of the Credit tariff Interest rate bonus
From CZK 150,000 to CZK 300,000 2% p. a. + 0.5% p. a
From CZK 300,000 to CZK 500,000 2% p. a. + 1% p. a.
Terms of the special offer Increasing Interest:
  • Initial requirements
    • Applies to contracts under the Credit tariff after the statutory binding period or, as appropriate, after the end of the Extension PLUS special offer, or 12 months prior to the expiration thereof
    • Target amount increase (by up to CZK 500,000)
  • Interest rate bonus requirements
    • Client’s annual deposit of at least CZK 20,000
    • Interest rate bonus applies throughout the term of the special offer Increasing Interest

Wise Savings (Moudré spoření) with Special Interest of 2% + 1%

We have prepared a special offer for you – an offer you cannot find anywhere else! 

  • Conclude a building savings contract
  • Deposit at least CZK 10,000 during the first 4 months from the contract conclusion
  • For the period of 1 year, the interest rate for the deposit in question will be increased by 1% above the standard building savings interest rate, i.e. 3% p. a.

* Detailed terms and conditions are available within the enclosed terms and also at www.modrapyramida.cz. Modrá pyramida reserves the right to terminate the special offer at any time.

** The state support amount and utilization adhere to Act no. 96/1993 Coll., on Building savings, and to Act no. 427/2011 Coll., on Pension insurance.

Savings for Seniors (Spoření třetího věku)

It pays off to save up money, even when older!

  • You can conclude a contract free of charge if you:
    • Are more than 55 years old
    • Conclude a building savings contract for a target amount of CZK 200,000
    • Conclude the contract in the period of 1 January 2012 – 30 June 2013
  • Moreover, you may also withdraw the saved funds after 3 years, without an early contract settlement fee

For more information, read the following Savings for Seniors overview!

Savings for Seniors
Characteristics of the Savings for Seniors
  • Clients at the age of 55 year and more
  • Contract concluded for a target amount of CZK 200,000 
  • First savings contract or subsequent contract for the given client 
  • Contract concluded in the period of 1 January 2012 – 30 June 2013*
Benefits of the Savings for Seniors
  • Possibility to withdraw the saved funds anytime after 3 years, withoutan early contract settlement fee**
  • Conclusion of the Building Savings contract FREE OF CHARGE
  • High interest rate of 2% on deposits
  • State support of up to CZK 2,000 per year**
  • Safe way to deposit your money – the building savings deposits are insured by law for up to EUR 100,000

* The special offer applies to the first or subsequent contract of a given client with Modrá pyramida, provided all previous contracts of the given client were settled prior to the conclusion of a subsequent contract (a client may have an allocated loan or savings contract linked to a bridging loan with Modrá pyramida). KB reserves the right to terminate the special offer at any time.

** The state support amount as well as the terms and conditions for the provision thereof adhere to the Building Savings Act. In case the contract is concluded with an entitlement to the state support, the state support will not be paid out to a client in case of an early contract settlement – i.e. the state support is not paid out to the client if he/she fails to comply with the statutory binding period of 6 years.

The Building Savings product allows you to:

  • Resolve your housing needs
    • Saved funds and the loan may be used for resolving your housing needs in various ways, for example:
      • Real estate purchase (ownership)
      • Development or acquisition of a residential building
      • Construction land plotacquisition
      • Alteration, reconstruction, and maintenance of a flat or residential building
      • Conversion of nonresidential premises into a flat
      • Settlement of liabilities resulting from the purchase of housing
  • Take advantage of the product flexibility
    • Client selects the value he/she prefers (interest rate level, repayment amount or maturity) and sets the contractual parametersaccordingly
    • Aforementioned settings may be modified at any time in the course of your savings based on your current requirements
    • Annual interest rate from the allocated loan starts at 3%
    • Upon conclusion of the contract, a client may select the annual interest rate of the allocated loan in the range of 3 to 5%, depending on the selected alternative
  • Get a valuable loan
    • Bridging loan is intended for obtaining the loan as quickly as possible
    • Zero initial payment
    • Loan may be taken out for the following purposes:
      • Construction
      • Conversion of a building for residential use
      • Purchase, settlement of an investment/share to a legal entity
      • Settlements between spouses or heirs
      • Repayment of a loan or credit from another banking institution etc.
      • Conversion or maintenance of residential premises or building for residential use  
    • Pre-approved processing applies to all loans (clients looking for a flat, house or land plot have the funds prepared in advance)

How to get the Building Savings?

  • At any KB branch
  • From a KB loan specialist
  • Contact your relationship manager
  • Call the toll-free KB Info line at 800 521 521

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