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Reconstruction, Repair, Modernisation of Real Estate

Do you live in a house that needs to undergo a reconstruction? Would you like to improve your current apartment? Take advantage of a mortgage loan.

Up to 100 % of the amount that you need
- you do not have to have any savings – we will lend you the whole amount that you need
For all types of real-estate
- we will lend you money to finance a reconstruction of a house, an apartment, a cooperative apartment, a cottage, a weekend house
Professional consultant services free of charge
- our specialists will help you free of charge
- we will prepare a custom-made offer for you
Comfortable services at one place
- we will provide an appraisal of the collateral
- we will arrange real-estate insurance and risk life insurance with Komerční pojišťovna, a. s.
Identical conditions
- we will lend finances to you for a cottage on the same terms as for example for a house

Minimum amount of the loan: CZK 200 000
Maturity of the loan: 5 – 30 years, or 5 – 8 years in case of a mortgage loan paid off from building savings with Modrá pyramida stavební spořitelna, a. s.
Drawing:
- as a lump-sum or gradually
- must begin within 6 months of the date of signature of a contract,
- must be finished within 24 months following the date of signature of a contract
Repayment:
- annuity
- one-time/gradual in case of a repayment of the loan with proceeds from the capital life insurance or building savings with Modrá pyramida stavební spořitelna, a. s.
Interest rate: fixed throughout the period of validity of the interest conditions, i.e. 1 – 10 years, or 15 years
Life insurance: it positively affects the interest rate if arranged with Komerční pojišťovna, a. s.
Security: always secured by a mortgage lien on the real estate

Mortgage loans are granted at specialized branches of the bank.

Prior to our first meeting, it would be useful to know the following:

What will you be reconstructing using the mortgage?
How much money do you have available and are you going to use it for the reconstruction?
What is your income?