Raiffeisen Bank 

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Infoline: 800 900 900

American mortgage Universal

For any type of purchase or financing arrangemente – we do not ask about the purpose of the loan. We also offer purposel type of mortgage.

 

What type of investment is this loan suitable for?

These funds may be used to finance any project. This type of loan is especially convenient when a classical consumer credit loan does not suffice. An American mortgage will enable you to borrow a higher sum and, because it is secured by real estate, you will also obtain a lower interest rate, similar to that provided with classical mortgages.

What can an American mortgage be used for?

That is entirely up to you.

You may purchase a car, yacht, furniture for your apartment, pay for a long-term stay abroad or a trip around the world. To put it simply– you can make your dreams come true.

What is the loan amount?

  • minimum amount                  CZK 150.000
  • financing up to 65 % of pledge value

How is the loan repaid?

  • loan maturity varies from 5 to 20 years
  • the loan is repaid in monthly annuity instalments
  • available interest rate terms include 1, 2, 3, 4, 5, 6, 7, 10 or 15 years, the loan can be extended by the same or another fixation term, as you decide
  • extraordinary instalments are permitted without any penalty on the date the interest rate is changed. An extraordinary instalment can be made on another date but is subject to a fee of 1% of the amount of the extraordinary instalment.
  • we also offer the option of extraordinary instalments, so called "turbo" instalments, without any penalty of up to 25% of the due principal sum after every 12 correctly paid instalments. You can use "turbo" instalments several times, they do not depend on interest rate fixation periods.

Who may apply for the loan?

Types of applicants

  • a citizen of the Czech Republic
  • a citizen of the EU or a citizen of any country who lives int the Czech Republic at least 2 years

 Age restriction

  • the current minimum age of applicants is 18 years
  • the maximum age in the year the mortgage matures is 65 years 

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