Premier Mortgage
Mortgage or mortgage refinancing with a unique Premier rate. To add to your convenience, we provide a range of services at no cost: property valuation, securing the deposit of the lien – including the registration fee at the Land Registry, and express funding. During the repayment, you can also reduce or increase repayments by up to 30%, suspend repayment for up to three months or postpone the start of repayment all free of charge.
Buy to let mortgage
A mortgage loan will help you purchase an investment property, even if you have funds tied elsewhere. You can largely repay your mortgage from the rental income of the property.
American Mortgage
Get up to 5 million for whatever you want. Thanks to real estate collateral you get a better interest rate than ordinary loans. Payments can be spread over up to 20 years.
Turnover Mortgage
Turnover mortgage is a solution for self-employed clients, by whom we can recognize a significant part of 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 here for you
Be demanding, we are ready for it. Priority line
for Erste Premier clients.
+420 956 777 569
Send us an email at erstepremier@erstepremier.cz
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You will get the most out of Erste Premier if your savings and investments with the Česká spořitelna Financial Group exceed CZK 1 500 000, or have savings, investments and loans of at least CZK 4 000 000, or have monthly income (your wage or income from your business) of at least CZK 70 000 paid to your Premier Personal Account.*
*The Bank reserves the right to decide upon the provision of the Erste Premier Service. The Erste Premier is only available as personal banking service not for the businesses. Meeting the above criteria does not automatically entitle a person to become a Client of Erste Premier. The Client and the Bank may terminate the Erste Premier Service without reason or by mutual agreement.
Additional Information
What can I finance through a Buy to let mortgage?
You can use the money to buy an investment apartment, family house with non-residential premises, or apartment building.
How much money can I borrow with an American mortgage?
With American mortgage Premier you can get from CZK 150 thousand to 5 million. It is possible to have a loan up to 70% of the property value.
How much will I be charged for the account statement and management of the American mortgage?
Both management and the account statement are free of charge.
When is it worth considering a Turnover mortgage?
It is necessary to prove your income during mortgage approval process. If you are self-employed, your taxable income might not meet requirements of a Premier Mortgage. For example, when you apply flat-rate expenses, your actual earnings may be undervalued. Turnover mortgage, however, takes into consideration the specific tax aspects of your business. So you can get it even if you would not reach a regular mortgage.
Representative example of an American 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
Representative example for a Premier mortgage
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