The program intended for housing cooperatives and owners of residential units (SVJ) is a comprehensive offer of specific products and services created exclusively for these types of entities. It serves to ensure individual, effective, and quick servicing of their financial activities.

With a special offer, we also guarantee that all housing cooperatives and owners of residential units who conclude a loan contract between April 1 and December 31, 2006 will pay a one-time fee for having their request reviewed and alone provided for only one crown.

Benefits

You will get the optimal solution for your requirements and needs where payments, the appreciation of free finances, and financing operational and developmental activities are concerned .

Other merits include:

quality of service – individual service provided by selected experienced employees, company bankers, and relevant branches,
individual terms and conditions when providing basic services and products,
special bracketing of interest on finances on the current account when opening a CSOB Cooperative Account,
quick and easy payment – use of SIPO payments, payments to Telefónica O2, insurance premiums, transfer payments to suppliers for work and services and all other one-time and permanent payment orders or collections as well as electronic banking,
specially priced electronic transactions,
consultation regarding cash flows, management of free funds, and optimisation of investment plans,
access to credit resources – long-term financing of costs related to repairs and reconstruction of apartment buildings with up to 15 year repayment,
financing revitalisation programs with the use of state support through the “PANEL” program from Českomoravská Záruční a Rozvojová Banka.

Get Acquainted

The standard offer of the program includes CSOB Cooperative Account – intended exclusively for the needs of housing cooperatives and owners of residential units. It constitutes a comprehensive offer for special price and interest services for covering the basic needs for payments and billing. The standard offer of the account includes:

setting up and managing a current account,
sending statements each month by mail,
special bracketed interest rates for current account balances,
electronic banking services,
payment cards,

Other products and services free of charge or for reduced rates:

Special types of deposit products and alternative means of appreciating temporarily available funds (CSOB Investment Consultation),
credit products primarily focusing on financing revitalisation of prefab buildings through the “PANEL” program from Ceskomoravska Zárucni a Rozvojova Banka (www.cmzrb.cz) with 15 years repayment,
CSOB Fictitious Cash Pooling – effective appraisal of the free finances of entities whose housing cooperative undertakes comprehensive administration of immovables.

Terms of Use

A cooperative account can be opened by a housing co-operative or owner of residential units who keeps a current account with our bank, or will have a CSOB Cooperative Account set up directly.

When opening an account is necessary to submit the following documents:

an original or verified copy of the documents attesting to the foundation or existence of the cooperative or SVJ and the current policy of the statutory body.

Some products and services that are part of the program are provided for other specified conditions which are confined in their “product lists”.

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