Fio Mortgage

A Fio Mortgage is a standard mortgage for physical persons over 18 who are citizens of the Czech Republic or foreigners with temporary residency (EEA residents) or permanent residency in the Czech Republic for more than 1 year (others). Residential real estate in the Czech Republic can be financed using a Fio Mortgage.

Why a Fio Mortgage?

  • No fees for loan origination, current and loan account administration, reserving funds or for drawing funds
  • Discount of  0,4 % applies to refinancing mortgages up to 80 % loan-to-value with incident free customer´s credit history
  • Discount 0.3 % of the interest rates to buy real estate (mortgages up to 80% loan-to-value with incident free customer´s credit history)
  • Discount 0.1 % of the interest rates when the loan over CZK 1,000,000
  • You also can select additional services with a mortgage including free early payments or the Mortgage Savings Account

Product description and parameters

  • Financed real estate: a flat, family home, recreation building, studio, apartment building with up to 3 units and building lots intended for residential construction.
  • Loan limits: CZK 300,000 to CZK 10,000,000.
  • Maximum loan amount: 85% of the total value of the real estate.
  • Term: 5-30 years
  • Fixed interest rate term: 1, 3 and 5 years.
  • Fixed adjustment term for variable rates: 5 years.
  • Up to 3 debtors (in addition to loan applicant).

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American Mortgages

An American mortgage is a special type of loan that provides you with unrestricted options in order to meet any of your financing needs. These mortgages are always secured with a lien on real estate.

American mortgages are also available for specific uses, such as financing the purchase of non-residential space associated with a residence (such as a garage, etc.), refinancing to recoup an investment or for other purposes related to investments in housing that cannot be financed with a standard mortgage product.

Why choose an American mortgage

  • We offer the following at absolutely no charge: providing the loan, maintaining current and loan accounts, reserving funds and drawing the loan
  • A special discount is offered on loans over CZK 1 million and 0.4 % discount on mortgage refinancing
  • There are no added charges when you purchase non-residential space related to housing (e.g. garage, etc.) or refinance to recoup invested funds
  • You also can select additional service like the Mortgage Savings Account (for individuals with loans of more than CZK 1.88 million and for sole proprietors)
  • Some types of non-residential property can be used as collateral
  • Loan amounts are capped at 80 % of the value of the property
  • Please find an overview of interest rates here (in Czech).

Product description and parameters

  • Finance anything!
  • Loan amounts CZK 300,000 - CZK 7,000,000
  • Maximum loan amount: capped at 80 % of the value of the property
  • Maturity: 5-20 years
  • Fixed interest rates for: 1, 3 and 5 years
  • Up to 3 co-signers (in addition to the loan applicant)
  • Eligible properties: apartments, single family houses and apartment buildings, recreational buildings, studios, building lots zoned for residential construction up to 4,000 m2, mixed use buildings (max. 20 % non-residential), non-residential units (office space and office buildings)

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