The loan is for private individuals who want to reconstruct or modernize 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 7.9%,
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 installments 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 installments 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 1,974 per month.
	CZK 200,000 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 2,523 per month .
	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 5,045 per month.

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	3 222	2 120	1 655	1 316
150 000	4 833	3 180	2 482	1 974
200 000	6 351	4 142	3 208	2 523
300 000	9 526	6 213	4 812	3 784
400 000	12 701	8 284	6 415	5 045
600 000	19 052	12 426	9 263	7 568

The calculation is for information only; specific details of the loan will be included in the pre-contractual information and the loan agreement. For complete information see representative example.

Terms of Use

You are entitled to apply for a loan

if you are at the age above 18,
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).

Back Up