Raiffeisen Bank 

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Infoline: 800 900 900

Hypokredit

Make your business dream come true.

Are you looking to take out a loan in order to implement your business plans and you can pledge real estate? Hypokredit is the simple solution you’re looking for.

Advantages

  • You can receive up to CZK 50 million.
  • You learn quickly how much we will lend you – a flexible financing instrument.
  • You do not have to have your own funds – we will lend you up to 100% of the cost of your business plan.
  • You can use the loan for any purpose related to your business activities without needing to corroborate what the funds have been used for, e.g. for:
    • financing investments
    • refinancing funds you have already spent
    • financing operating capital
    • consolidating business investment loans already provided.
  • You do not have to be the owner of the real estate which is being used to secure the loan.
  • You can take as long as 15 years over repaying the loan, which allows for the positive development of your cash flow.

Real estate – a source of money for your business activities.

Characteristics of the product

Level of the loan

  • CZK 1 to 50 million (but 75% at most of the value of the real estate pledged to the bank).

Drawdown

  • Single drawdown without corroborating the purpose to which the loan is to be put in the form of an invoice, contract and other documents.
  • The money is provided to the client’s current account held at Raiffeisenbank.
  • As a rule you can draw down the loan after a proposal is made for an entry of the lien on the real estate.

Repayment

  • The term to maturity can be as much as 15 years, and up to 2 years in the case of financing operating requirements.
  • You can make repayment in the form of regular monthly annuity or linear instalments with the possibility of extraordinary payments or premature repayment on the interest rate fixation date.

Security

  • 1st in sequence lien on the real estate (in your ownership or that of a 3rd party).
  • Tied insurance of the real estate.
  • Blank bill with endorsement of husband/wife or partners, as applicable.

The product is designed for

  • Legal entities.
  • Private individuals/entrepreneurs who keep accounts.

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