Green mortgage
Mortgage for energy efficient housing
We'll lend you money at a better interest rate to save money on your home
- For properties in energy class A or B
- A preferred fixed interest rate for 3 years from 5.09%, p.a. for up to 70% of the value of the collateral (RPSN 5.46%)
- A 30% discount on Our Home property insurance, which also protects solar panels, heat recovery, heat pumps and other technologies
- A 30% discount on energy label preparation
How does the mortgage application process work?
We prepare a tailor-made offer and a list of the required documents at the branch, over the phone or online.
Once the documents have been provided, we will prepare the application and arrange for a land registry extract and property valuation on your behalf. We also offer you the opportunity to take out an insurance policy.
We assess your income, the property and let you know if your mortgage has been approved. The assessment usually takes up to five business days.
We prepare contract documentation, which you then sign at the branch. You can draw the money online in one lump sum or gradually, depending on the purpose of the mortgage.
Calculate a custom mortgage online
You can calculate your payments and guaranteed interest rate online in a few minutes and without obligation. Simply enter a few details about yourself and the purpose for which you wish to use the mortgage.
- The offer is completely non-binding
- Interest rate guaranteed for 30 days
- You can return to a saved offer at any time
How to apply
Why is it worthwhile to buy a cost-efficient home?
Every house is different. The time it was built, where it was built, the money that went into it, and your habits and behaviour all determine how much it will cost you per year. Housing, electricity, water and fuel costs account on average for around 25% of regular monthly household expenditures in the Czech Republic. Our example shows how annual costs can vary in different energy classes.
Just imagine what you would be able to do in retirement with the more than CZK 1,000,000 you would have saved over 25 years of running a very economical house (compared to an extremely inefficient house).
What is an energy performance certificate (EPC)?
The energy consumption of a building includes energy for heating, hot water, cooling, ventilation and air conditioning, and lighting. The building is then classified into one of seven energy performance classes (A to G), ranging from "extremely energy efficient" (A) to "extremely wasteful" (G).
An energy performance certificate is required:
- when applying for a building permit or building notification
- for renovation – if more than 25% of the building envelope is renovated
- when selling or renting a house
Live efficiently with state support
The state offers significant assistance in reducing the energy consumption of your home, whether it is a new or previously built single-family home. Save costs and nature with the most accessible financial support instrument – the New Green Savings Programme (NGS) 2021+.
Zajímá vás, jak si udělat bydlení úspornější?
Stáhněte si náš nový eBook zdarma. Najdete v něm užitečné rady a tipy, na co se při stavbě či rekonstrukci zaměřit, abyste mohli bydlet lépe a úsporněji.
FAQ
Can I take out a mortgage if I have nothing saved?
We can lend up to 90% of the value of the mortgaged property to clients under the age of 36 (otherwise max. 80%). If you own your own land, we can also count the value of the land and other real estate as equity when you build your house, i.e., it can be used as collateral for the loan, so you won't need at least 10% of your own funds.
How long will everything take before I can draw on the money?
The length of mortgage processing is individual and depends to a great extent on the length of the property valuation. It usually takes five business days for the loan application to be assessed once all the necessary documents have been submitted.
What documents will I need to apply for a mortgage?
This depends on the purpose of your mortgage, your source of income and the subject of the collateral. Some documents, such as a recent extract from the land registry, a cadastral map or a property appraisal, we will procure ourselves to save you the time of going to the authorities. We will need proof of identity, documents for the purpose of the loan – the purchase contract, the construction contract and proof of regular income. Our clients have even simpler processing because they usually do not have to prove their income.
How does property valuation work?
It always depends on the specific property. If it's an apartment or a house in a community with more than 10,000 inhabitants, we can make an estimate of the property online free of charge. In other cases, our expert or outsourced appraiser will perform a free property valuation.
What insurance will I need for my mortgage?
The mortgage loan is secured by a lien on the property, which must be insured. It is also advisable to insure your ability to repay the mortgage. Life insurance can help you avoid future risks associated with the inability to make payments, for example, due to loss of employment, accident and incapacity to work.
Sazebník
| Vybrané služby | Cena |
|---|---|
| Online ocenění bytu a rodinného domu | zdarma |
| Poskytnutí úvěru na bydlení | zdarma |
| Zaslání výpisu k úvěru e-mailem | zdarma |
Poplatky uvedené v této části jsou výňatkem z plného znění, které naleznete včetně termínu jejich splatnosti v našem Sazebníku. Všechny úrokové sazby jsme pro vás připravili v přehledu.