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Fio mortgage

Are you looking for a larger flat or family home, or are you looking for an improvement, to invest in the future for your children or to finally get out and live by yourself? There are many reasons to take advantage of a Fio mortgage. Convince yourself of all the things we can help you with.

Do you need to finance the purchase of or improve your housing? Calculate how much you can borrow and how much a Fio mortgage will cost!

A Fio mortgage is a standard mortgage for physical persons over 18 who are citizens of the Czech Republic or foreigners with temporary residency (EEA residents) or permanent residency in the Czech Republic for more than 1 year (others). Residential real estate in the Czech Republic can be financed using a Fio mortgage.

Why a Fio mortgage?

  • No fees for loan origination, current and loan account administration, reserving funds or for drawing funds.
  • Discount of 0,4 % applies to refinancing mortgages up to 70 % loan-to-value with incident free customer´s credit history
  • You also can select additional services with a mortgage including free early payments or the Mortgage Savings Account.
  • You can check current interest rates here.
  • Available at more than 70 branches across the Czech Republic.

Reduce your interest to 0% and pay less each month

Do you have savings of at least CZK 50,000? Let them reduce your interest and thus monthly mortgage payments. Your money is available at any time, and you can save money every month.

Deposit your free funds (minimum CZK 50,000) on the Hyposavings account, which is completely free, and we will not charge you any interest on the principal amount corresponding to your current Hyposavings account balance.

If your balance on the Hyposavings account is equal to the principal of the mortgage for the whole period of its repayment your interest rate will be 0% per annum and you will only repay the principal. Thus, you will not pay any charges at all. Your savings will still be available and you can freely dispose of them, even withdraw all the balance any time.

Exceptional instalment

Our mortgage can be repaid prematurely at any time without any fees and penalties (except for loan refinancing from another bank). It is up to you how often you will make extraordinary payments and how much this extraordinary instalment will be. You can even repay prematurely the entire loan with your own funds for free.

Rate type Rate fixed for 5 years
Mortgage amount from 1 mil. CZK to 1 mil. CZK
Refinancing 4,58 % 4,68 %
Purchase 4,68 % 4,78 %
Other 4,98 % 5,08 %

Guaranteed rates are valid for loans up to 80% of the value of the property and assuming all conditions for discounts are fulfilled. Rates with less than 5 year fixation can be found out throug our Mortgage calculator.


Mortgage calculator


How to get a Fio mortgage?

You can get additional information and an example monthly installment calculation at any of our branches.

After submitting a mortgage application, identification card, proof of income and basic documents to prove the purpose of the loan (including those to secure the loan), Fio banka will evaluate your ability to repay the mortgage in detail. The results of this evaluation will be returned to you along with a complete real estate appraisal form. If you have an existing appraisal that is no older than 6 years, you can use such an appraisal.

If you are an employee and you show income from dependent activities, you simply need proof of income and bank statements showing your ability to make mortgage payments; statements cannot be any older than 3 months (pursuant to Point 1 below). If you are self-employed or have other sources of income, you must provide your physical person income tax declarations including all annexes and confirmed by the tax authorities for the previous 2 years (pursuant to Point 2 below).

After your appraisal is completed by a Fio banka contracted appraiser based on your order, the materials needed for a mortgage will then be completed.

Your income can come from the following sources:

  1. Dependent activities in the Czech Republic or abroad,
  2. Business activities from self-employment activities or side income,
  3. Existing or future real estate rentals in the Czech Republic,
  4. Other sources - income can include family contributions, old-age pensions, service pensions, etc.

Overview of Fio banka's mortgage specialists

Want to set up a meeting or just have something to ask? Do not hesitate and contact any one of our mortgage specialists.
Are you from a different town or city than our mortgage specialists? Don't despair; you can contact any specialist from the list below. Specialists are ready and willing to communicate with you over the phone or via email. Then you can submit the necessary documents at the Fio banka branch that's closest to you. Branch staff members are trained specifically for this situation and are able to make rapid contact with the specialist you select.

        Město Hypoteční specialista Adresa pobočky Telefonní číslo E-mail
Brno Veronika Konderlová Joštova 4 224 346 814 veronika.konderlova@fio.cz
Brno Pavel Müller Joštova 4 224 346 824 pavel.muller@fio.cz
Brno Petr Sychra Joštova 4 224 346 822 petr.sychra@fio.cz
Brno Ing. Martina Šnajdarová Joštova 4 224 346 821 martina.snajdarova@fio.cz
České Budějovice Ing. Dagmar Štěchová Dr. Stejskala 110/11 224 346 427 dagmar.stechova@fio.cz
Hradec Králové Ing. Jakub Minařík Masarykovo náměstí 511 224 346 836 jakub.minarik@fio.cz
Jihlava Barbora Smolíková Masarykovo náměstí 20 224 346 869 barbora.smolikova@fio.cz
Liberec Bc. Aleš Urban Pražská 12/15 224 346 881 ales.urban@fio.cz
Olomouc Jiří Polášek Slovenská 506/2 224 346 399 jiri.polasek@fio.cz
Ostrava Ing. Eva Myšíková Nádražní 39 (1. patro) 224 346 446 eva.mysikova@fio.cz
Ostrava Ing. Martina Utíkalová Nádražní 39 (1. patro) 224 346 339 martina.utikalova@fio.cz
Pardubice Adéla Doubravová 17. listopadu 408 224 346 842 adela.doubravova@fio.cz
Plzeň Jaroslav Gala Vše s Vámi vyřeší na dálku* 224 342 714 jaroslav.gala@fio.cz
Praha 1 Bc. Jana Jakešová Hybernská 1033/7a 224 346 397 jana.jakesova@fio.cz
Praha 1 Ing. Iva Tichotová Hybernská 1033/7a 224 346 987 iva.tichotova@fio.cz
Praha 1 Irena Vernerová Hybernská 1033/7a 224 346 396 irena.vernerova@fio.cz
Praha 4 Ing. Roman Lechner Nuselská 401/4 224 346 497 roman.lechner@fio.cz
Praha 9 Pavel Havelka Sokolovská 352/215 224 346 406 pavel.havelka@fio.cz
Praha 9 Šimon Koníček Sokolovská 352/215 224 346 407 simon.konicek@fio.cz
Ústí nad Labem Jaroslav Gala Dlouhá 3458/2A (Palác Jordán) 224 342 714 jaroslav.gala@fio.cz
Valašské Meziříčí Eliška Plešková Poláškova 36/4 224 346 483 eliska.pleskova@fio.cz
Zlín Zuzana Hrstková Dlouhá 489 224 346 905 zuzana.hrstkova@fio.cz

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