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 10 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.
Mortgage for the future
A mortgage for the future will allow you to finance housing that complies with ecological trends. You will help the environment, save on fees and we will allow you to repay up to 10% of the mortgage free of charge using the obtained state subsidy.
We have a team of specialists to provide you with the information on subsidy options.
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 here for you
Be demanding, we are available on the Erste Premier Line
every business day from 7 am to 9 pm.
+420 956 777 569
Send us an email at erstepremier@erstepremier.cz
Please leave your contact details and we will get
back to you as soon as possible.
You will get the Erste Premier free of charge complying with at least one of the following criteria:
monthly income (your wage or income from your business paid to your Premier Personal Account) of at least CZK 70,000 has to be observed concurrently with savings, investments and loans with the Česka spořitelna Financial Group in the amount of CZK 250,000 or;
have savings and investments with the Česka spořitelna Financial Group exceed CZK 2,500,000 or;
have savings, investments and loans with the Česka spořitelna Financial Group of at least CZK 4,000,000.*
*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
You can use the money to buy an investment apartment, family house with non-residential premises, or apartment building.
With American mortgage Premier you can get from CZK 150 thousand to 10 million. It is possible to have a loan up to 70% of the property value.
Both management and the account statement are free of charge.
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.
Total loan amount: CZK 1,400,000. Monthly repayments: CZK 11,795 (repayments include principal and interest). Number of repayments: 180. The interest rate is fixed for 3 years at 5.89% p.a. Fees associated with the loan that comprise the total loan costs: CZK 6,000 for establishing the loan; administration fees of CZK 4,000 for entering and deleting the bank’s mortgage interest over the security property in the land registry; and a real estate appraisal fee of CZK 5,000. Loan term: 15 years. Annual percentage rate charged: 6.32%. Total amount to be repaid: CZK 2,131,371 (assuming the interest rate does not change for the entire term of the loan).
Note: The representative example is for informational purposes only. It constitutes neither an offer to enter into any contract, nor an advertisement. It does not constitute a document or transaction that would oblige us to enter into a loan agreement or any other banking service agreement with you.
All the calculations and data above, including information about interest rates and monthly payments, are estimates only. Final loan terms may differ depending on your credit rating and assessment of your ability to repay the loan. The terms will be set out in the pre-contractual information and in your loan agreement
The loan calculator is for informational purposes only. It does not constitute an offer to enter into any contract or the obligation to enter into a loan agreement or any other banking service agreement with us.
The provider is not providing advice in accordance with Section 85 of Act No. 257/2016 Coll., on Consumer Credit.
The total amount of the loan is CZK 3,000,000. The monthly repayments are CZK 18,365 (including principal and interest). Number of repayments: 300. The interest rate is fixed for three years at 5.39% per annum. The fees associated with the loan form part of the total loan costs and include administration fees of CZK 4,000 for entering and deleting the bank’s mortgage interest over the property in the land registry and a property appraisal fee of CZK 5,000. Loan term: 25 years. The annual percentage rate charged (APR) comes to 5.64% and the total amount to be repaid by the consumer is CZK 5,522,872 (assuming the interest rate does not change for the entire term of the loan).
Note: The representative example is for informational purposes only. It constitutes neither an offer to enter into any contract, nor an advertisement. It does not constitute a document or transaction that would oblige us to enter into a loan agreement or any other banking service agreement with you. All the calculations and data above, including information about interest rates and monthly payments, are estimates only. Final loan terms may differ depending on your credit rating and assessment of your ability to repay the loan. The terms will be set out in the pre-contractual information and in your loan agreement The loan calculator is for informational purposes only. It does not constitute an offer to enter into any contract or the obligation to enter into a loan agreement or any other banking service agreement with us. The provider is not providing advice in accordance with Section 85 of Act No. 257/2016 Coll., on Consumer Credit.