Premier Mortgages

Your Premier banker will find the best way for you to finance the purchase of property.

Premier Mortgage

A mortgage or mortgage refinancing exceeding CZK 3 million, with the unique “Premier Rate” interest rate. To add to your convenience, we provide a range of services at no cost: property valuation, entry of the lien in the lien docket – including the registration fee at the Land Registry, and express funding. During the term of the loan, you can lower or raise your repayments by up to 30%, suspend repayment for up to three months or postpone the start of repayment at no charge.

Mortgage for Rental Property

Mortgage for rental property will help you with your real estate purchase even if your funds are currently tied up elsewhere. You can repay a big portion of your mortgage from the income you generate from renting the respective property.

American Premier Mortgage

Obtain up to CZK 5 million for whatever you want. By mortgaging your property, you will receive a better interest rate than those offered by regular consumer loans. You can spread your repayments out over as much as 20 years.

Turnover Mortgage

A turnover based mortgage is a solution for entrepreneurs and self-employed individuals, as we can recognise a significant portion of their turnover as income. This allows us to approve a higher loan for you than if your income was evaluated in the usual way.

Mortgage Refinancing

If you transfer your mortgage from a different bank to us, we will guarantee the interest rate up to one year in advance and advise you on the best way to refinance your mortgage. You will also receive all the benefits associated with the Erste Premier programme.

We are always there for you

Be demanding. We’re prepared. Priority line
for Erste Premier clients.

+420 956 777 569

Send an email to erstepremier@erstepremier.cz

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as soon as possible.
 

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You will get the most out of Erste Premier if your savings and investments with Česká spořitelna financial group exceed CZK 1 500 000 or your savings, investments, credit and loans total CZK 4 000 000, or if at least CZK 70 000 is sent to your account each month.

Additional Information

You can use the money to purchase an investment apartment, a family house with commercial premises or an apartment building.
  

You can borrow from CZK 150 000 to CZK 5 million with an American Premier mortgage. The mortgage can be for up to 70% of the value of the property.
  

Both management and the account statement are free.
 

When you apply for a mortgage, you have to demonstrate your income. If you are an entrepreneur or self-employed, your income may be deemed insufficient under the usual mortgage approval process. For example, if you apply lump-sum deductions in your tax return, your actual income may be undervalued. A turnover mortgage will take into account the specific tax aspects of your business. In this way, you can obtain a loan even if you would not be eligible for a regular mortgage.
  

Mortgage parameters

Mortgage amount: CZK 800 000
Interest rate (5-year fixed rate): 4.89 % p.a.
Monthly repayment
(principal and interest): CZK 6 311
Number of repayments: 180  
Repayment period: 15 years
   

Fees
(part of total loan costs)

Arrangement fee: CZK 6 000
Management fee: CZK 0
Change of repayment amount: CZK 0
Land register fee: CZK 2 000
Property appraisal: CZK 3 900

  

Mortgage parameters

Mortgage amount: CZK 1 800 000
Interest rate (5-year fixed rate): 2.89 % p.a.
Monthly repayment
(principal and interest): CZK 8 472
Number of repayments: 300 
Repayment period: 25 years

  

Fees
(part of total loan costs)

Arrangement fee: CZK 6 000
Management fee: CZK 0
Change of repayment amount: CZK 0
Land register fee: CZK 2 000
Property appraisal: CZK 3 900