CSOB´s shares will be put on Prague Stock Exchange in 2010
KBC will sell 30–40 % of CSOB´s shares, KBC will remain the majority shareholder. ...

Comfort Billing Has Been Launched
From November 4, 2009, you can start using a new function – the Comfort Billing. ...

New wording of the CSOB Business Terms and Conditions
In connection with the new Payment System Act, we are going to update the CSOB General Business Terms and Conditions and ...

Basic Changes in Payments Effective from November 2009
On November 11, 2009 a new version of Law No. 284/2009 Coll., on Payments will become effective. ...

PIN to payment cards to be changed in ATM
We would like to inform you that beginning August 1, 2008 you may change your PIN ...

CSOB Loan for Better Living

The loan is for private individuals who want to reconstruct or modernise their housing but do not have sufficient funds. The new CSOB Loan for Better Living will enable you to carry out the renovation first and then provide the respective documents (invoices, contracts etc.) later.

Benefits

a loan of up to CZK 600,000 without providing any guarantor and without any collateral to secure the loan,
taking advantage of a beneficial annual interest rate from 7.7%*,
having a loan facility for the ecological restoration of your housing under advantageous terms and conditions,
funds available for drawing from the date of the contract,
setting up your own loan instalments and repaying the loan over a period of 10 years,
20% of the loan can be used for a non-specified purpose (max. CZK 25,000).

Get Acquainted

loan for a specified purpose suitable for reconstruction or acquisition of a house or flat,
maturity period of one year to ten years,
documents to prove the purpose of the loan (invoices, contracts etc.) delivered within 6 months after receiving the loan,
minimum loan of CZK 100,000 with no maximum limit,
regular monthly instalments to repay the loan,
potential insurance against loss of employment and disability to work.

In modernising your home you may use the loan to	In purchasing your home you may use the loan to
reconstruct a bathroom and kitchen, purchase furniture, repair windows, doors and floors, modernise piping in the flat or house, reconstruct facades and roofs, modernise a cottage or summer house, purchase a swimming pool, landscaping garden and repairing fence.	purchase a flat or house, privatise available housing of a municipality, purchase a co-operative share, prepay rent for community flats, purchase a building lot, purchase a garage or recreational property.

	CZK 150,000 for the reconstruction of a kitchen? Where to get the money? You are invited to take a loan in return for CZK 1,876 per month (annual interest rate 8.7% and APRC from 9.98% will apply for existing clients).
	CZK 250,000 for partial insulation (replacing windows, doors and facade insulation)? Where to get the money? You are invited to take a loan in return for CZK 2,994 per month (annual interest rate 8.7% and APRC from 8.63% will apply for existing clients).
	CZK 400,000 for complete insulation of a family house? Where to get the money? You are invited to take a loan in return for CZK 4,790 per month (annual interest rate 7.7% and APRC from 8.45% will apply for existing clients).

Check your instalments to pay the Loan for Better Living
Term of repayment (years)	3	5	7	10
Loan (CZK)	Amount of instalment (CZK)
100 000	3 120	2 014	1 544	1 198
150 000	4 680	3 020	2 316	1 797
200 000	6 240	4 027	3 088	2 395
300 000	9 360	6 040	4 632	3 593
400 000	12 480	8 054	6 175	4 790
500 000	15 600	10 067	7 719	5 988
600 000	18 719	12 080	9 263	7 185

* The interest rate of 7.7% p.a. applies to the table; APRC (Annual Percentage Rate of Costs) is 8.29-9.89%. APRC applies to the existing clients holding a current account at CSOB for a period longer than 6 months.

Terms of Use

You are entitled to apply for a loan

if you are at the age above 18 (to 66),
if you have a CSOB konto or CSOB Aktivni konto established or establish any.

When submitting a loan application you will also do as set out below:

give evidence of your income (or income of co-applicants, co-debtors and guarantors),
deliver 2 identity documents (identity card + e.g. driving license).

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