Raiffeisen Bank 

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Infoline: 800 900 900

Personal loans

Benefits of personal loans

  • With our wide range of consumer loan products, you will have enough money for everything you need. The loan can be provided in cash, as a home loan under favourable terms or as a loan for any other investment.
  • No surety is usually required for loans not exceeding CZK 200,000.The maximum amount of a Purpose-Bound Loan without surety is CZK 1,000,000. And you don’t even have to be our client.
  • You will know in five minutes how much we can lend you. The amount will be calculated by our bankers in any of our branch offices or our client service operators at 841 841 841.
  • You will also get free insurance for your loan automatically. The insurance will cover death and permanent consequences of an injury.

Products

Quick Loan

Do you need a large amount of money to buy a new car, go on holiday or buy anything else? Then use our Quick Loan, a non-purpose-bound consumer loan tailored for individuals.

Special benefits of the Quick Loan
  • We will not need to know what you need the loan for.
  • You will only have to come to any of our branch offices once.
  • You will be allowed to repay the loan prematurely in full or any part of it.
Product description
  • Amounts ranging from CZK 20,000 to CZK 500,000
  • Repayment period from 6 to 72 months

Purpose-Bound Home Loan

Are you planning to refurbish your home or house? Do you need quickly a large amount to buy a new fitted kitchen, windows, a roof or a built-in wardrobe? Then use our home loan under favourable terms. No real estate as security is required. 

Special benefits of the Purpose-Bound Home Loan
  • Funds available for any housing-related investment.
  • No security required for loans of up to CZK 1,000,000.
  • No real estate as security required.
  • More favourable interest rates than those charged for non-purpose-bound loans.
  • Option to repay the loan prematurely.
Product description
  • Amounts ranging from CZK 50,000 to CZK 2,000,000
  • Repayment period from 6 to 120 months

Purpose-Bound Loan for other kinds of investment

Are you ready to submit one document more to get a cheaper loan? Are you interested in investing in your education or health? This is what our Purpose-Bound Loan will allow you.

Special benefits of the Purpose-Bound Loan for other kinds of investment
  • We will offer you a larger amount than with a non-purpose-bound loan and you will be charged a more favourable interest rate.
  • No surety required for loans of up to CZK 500,000.
  • Option to repay the loan prematurely.
Product description
  • Amounts ranging from CZK 50,000 to CZK 1,000,000 (CZK 500,000 for health care)
  • Repayment period from 6 to 120 months
Qualified purposes
  • Purchase of furniture and fixtures for your home, such as kitchen equipment, garden tools and many others.
  • Health care, including spa stays, dental care, purchase of medical tools and devices, plastic surgery and others.
  • Education – study at universities, colleges, MBA and DBA studies, language courses and studies abroad.

How to apply for a loan

At a Raiffeisenbank branch office

You can apply for a loan at any Raiffeisenbank branch office or at our client service line at 841 841 841 or on websites e-pujcky.

General terms and conditions

What will you need to obtain a loan?
  • You must be older than 18.
  • You need a permanent or long-term residence permit in the Czech Republic.
  • You also need a fixed phone line at home or at your office. Alternatively, you will have to present a bill for your mobile phone with a tariff plan of at least CZK 150.

What documents are required for the loan?

Identity card

  • Personal identity card or passport (for foreigners)
Proof of income
  • A proof of income confirmed by your employer (you can download it here) if you are employed.
  • A copy of your income tax return as an individual if you are a businessman or have more taxable incomes.
  • Old-age pension assessment (or a certificate of a cost-of-living adjustment).
  • Public service pension assessment

Ask us about a loan

You want to know how much we can lend you, how high your instalments will be, what interest rate you will be charged and what documents we will require from you to approve the loan at any of our branch offices? Then call our client service line at 841 841 841 or send us an email.


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