Fio mortgage
Do you dream of living in your own apartment or family home with a garden? Don't want to pay rent your whole life knowing that you don't own the property? Or do you want to buy an apartment as an investment for the future? Whatever your reason, we will be happy to help you finance your home.
- We offer free loans, current and credit account management, fund reservations, and loan drawdowns.
For more information, contact our mortgage specialists.
Calculate your mortgage payment
Current discounts
- 0,4 % discount on the interest rate for mortgage refinancing
- 0,3 % discount on the interest rate for property purchase and other purposes according to the price list
The above discounts are available for mortgages up to 80 % of the property value, with a clean credit history.
- 0,2 % discount on the interest rate for payment protection insurance
- 0,1 % discount on the interest rate for loans exceeding CZK 1 million
| Rate type | Rate fixed for 5 years | |
|---|---|---|
| Mortgage amount | from 1,5 mil. CZK | - |
| Refinancing | 4,08 % | 4,18 % |
| Purchase | 4,18 % | 4,28 % |
| Other | 4,48 % | 4,58 % |
We do not currently offer loans up to CZK 1.5 million.
Reduce your interest rate and pay less each month
Do you have at least CZK 50,000 saved up? Let them reduce your interest rate and thus your monthly mortgage payments. Your money is available to you at any time, and you can save money every month. Hypospořicí konto is completely free of charge.
A model example will show you how to save with Hypospořicí konto
Calculate your interest rate and monthly payment amount
Product description and parameters
- What can be financed: apartment, family house, recreational property, apartment building with up to three units, or building plot intended for residential development
- How much you can borrow: CZK 1.5 million - CZK 25 million
- Construction and completion of real estate + structural modifications to real estate: CZK 3 million - CZK 25 million
- Maximum loan amount: 80% of the property value (up to 90% for applicants under 36 years of age when financing a property for their own residence)
- Maturity: 10 – 30 years
- Fixed interest rate: 1 year, 3 years, or 5 years
- Up to 3 co-debtors (in addition to the loan applicant)
We provide mortgages to Czech citizens, foreign nationals who are citizens of the EEA and have at least temporary residence in the Czech Republic, and other foreign nationals who have permanent residence in the Czech Republic and have lived here for at least 1 year.
Purpose of the mortgage
- Purchase of completed or unfinished real estate (payment of the purchase price, additional payment at auction, difference in price when exchanging)
- Construction and completion of real estate
- Construction modifications to real estate
- Settlement of co-ownership relationships (joint property of spouses, etc.) related to real estate
- Refinancing – repayment of a loan provided by another financial company for a purpose identical to that of a mortgage
- Payment of a membership share in a housing cooperative, transfer of membership rights in a housing cooperativ
- Reimbursement of own resources
- Combination of the above purposes
