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Personal Finance
EN
  1. Personal finance
  2. Loans
  3. ReLoan

You can conveniently transfer and consolidate your loans online and reduce your repayments as needed

Extra repayments as well as early redemption free of charge at any time

We will transfer one or more loans and you can conveniently borrow additional money up to CZK 800,000 without a guarantor

Spočítejte si půjčku

Benefits of the ReLoan

  • Exchange all installments for a more favorable one

Do you repay every month unfavourable loans, credits, current accounts or credit cards? Merge them into one favourable loan and repay e.g. 50% less. You will have better control over your finances thanks to a single monthly instalment and you will save on the charges you now pay every month.

  • What could be consolidated into one loan

Common loans, credit cards, current accounts, credit companies’ cards, car credits and leasing and loans with given purpose. Regardless of the bank. You can have loans at any bank and also at any non-banking credit company.

  • Lower your instalments according to your needs 

Do you prefer low instalments or a fast redemption? It is only up to you how you decide. You may set a repayment period from 3 months to 10 years.

  • You can apply for a loan consolidation online in a few minutes

If you are a customer of Raiffeisenbank and have a personal account with us, you do not need to go to a branch at all, you can arrange loan and sign the contracts in your Mobile Application or Internet Banking within 3 minutes.

If you do not have our personal account yet, you may apply for the loan simply and conveniently via internet, then you need to visit a branch to sign contracts.

  • You do not have to go to original bank at all

Are you worried that consolidating all the loans will be too complicated? With us, you don’t have to run around your original banks. We will transfer the instalments for you or prepare everything so you can transfer the loans easily from the comfort of your home.

  • Do not worry about unnecessary fees

You don´t have to be worried about any unnecessary fees. Arrangement and maintenance of the loan, extra repayments as well as early redemption are free of charge with us. Without securing by a real estate or guarantor.

  • You may take out a loan for anything from CZK 5,000 to CZK 800,000

You can merge all the loans into one and borrow some more money up to a total of CZK 800,000 (including the transfered old loan).

  • Loan insurance will protect you and your loved ones  

Becoming unable to meet financial obligations due to incapacity for work, job loss or an accident can happen to anyone. Arrange a Loan Insurance policy, which will not let you down in adverse life situations.

What else you need to know

Do I have to have an account with you to be able to take out a loan?

I am not a Czech citizen. May I also apply for a loan and what do I need to submit?

When will I have money in my account?

May I change the size of monthly instalment or the repayment period in the course of my loan?

What does the abbreviation APR mean?

My financial situation has changed. I am afraid I will not have money for a repayment. What do I do?

Representative example

Loan amount of CZK 290 000 for 120 months with a monthly instalment of CZK 3 323, fixed annual interest rate of 6.7% p.a., and APR of 6.9%. Total amount payable by the consumer – CZK 398 760.