Raiffeisen Bank 

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Infoline: 800 900 900

Mortgage loan

The best way to finance real estate for business purposes.

Free yourself of the need to pay rent.

Advantages

Would you like to buy or build real estate designed for business purposes? With our mortgage loan you can invest in production halls, storage premises, company headquarters, office buildings, or an administrative or shopping centre.

  • Basically, you can start investing before your investments in business activities generate sufficient levels of your own funds.

  • You can spread repayments over as long as 20 years, which will allow for the positive development of your cash flow.

  • You can draw down funds on the basis of a proposal for an entry of the lien.

  • You can use the loan to finance cooperative construction work.

  • You receive resources for the refinancing of loans and credit used for the purchase, construction or refurbishment of real estate.

You can receive 50 million for up to 20 years.

Characteristics of the product

Level

  • CZK 1 to 50 million

(but 75% at most of the value of the real estate pledged to the bank).

Drawdown

  • Single or gradual in CZK.
  • Drawdown is for specific purposes in accordance with the contracts concluded (e.g. purchase agreement, construction contract or contract for work).

Repayment

  • The loan is repaid in the form of regular monthly annuity instalments (with the possibility of premature repayment without penalties on the date of an interest rate change, i.e. on the interest rate fixation date).

Interest

  • Fixed or variable rate.
  • Selection of an interest rate fixation period of up to 15 years (1, 3, 5, 10, 15 years) as required by the client. When the rate expires the same or another fixation period can be arranged. Fixation can be arranged for the duration of the transaction. The choice is yours.

Security

  • A mortgage loan must always be secured by a lien in 1st sequence on the financed or other real estate (i.e. this involves real estate which has not until then been subject to lien)
  • Other security provided on a case-by-case basis.

The product is designed for:

  • Legal entities.
  • Private individuals/entrepreneurs.

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