Welcome to Expobank CZ a.s.

IQ Mortgage for living and recreation

Make your dreams of your own living come true!

  • Financing can cover up to 90 % of the property collateral value.
  • Low interest rate fixed for up to 20 years.
  • Long-term loan maturity of up to 30 years.

IQ Mortgage for living and recreation

IQ Mortgage Parameters

Maximum loan amount (LTV) 90 % of the collateral value of the property
Type of interest rate fixed
Minimum loan value CZK 250,000
Maximum loan value CZK 12.5 million
Minimum repayment term 4 years
Maximum repayment term 30 years
Fixed interest rate period 1, 2, 3, 4, 5, 10, 15, 20 years
Repayment In case of a fixed interest rate – monthly annuity instalments
In case of a floating interest rate – monthly linear instalments
Collateral A lien on a property located in the Czech Republic (Overview of accepted collateral)
Required insurance Insurance of the mortgaged property
Current Account at Expobank Yes

LTV = the ratio of the loan and the property’s collateral value

Examples of using an IQ Mortgage

  • Purchase of a building lot or construction of a family house or an apartment for living or a recreational property
  • Remodelling and refinement work of a property for living
  • Acquisition of a cooperative share
  • Payment of an inheritance share, settlement of spouse joint ownership, buyout of co-ownership shares
  • Refinancing of investments or loans from legal entities invested into living or recreational properties

Who is a mortgage loan for?

  • Citizens of the Czech Republic or EU
  • Other foreigners with permanent or temporary residence in the Czech Republic
  • Minimum 18 years old, no negative record in the Credit Bureau
  • Minimum monthly net income CZK 10,000
  • Current employment contract for at least 3 months, self-employed persons must have been conducting business for at least 2 years

Documents required

If the property is co-owned by spouses, a mortgage application must be made jointly by both spouses.
Additional documents may be required in case of non-standard income, loan purpose or collateral.

Mortgage repayment insurance

You can opt for one insurance plan:

  1. Payment protection against the inability to pay instalments due to death, third degree of disability and incapacity for work.
  2. Payment protection against the inability to pay instalments due to death, third degree of disability, incapacity for work and unemployment.

Available only for mortgages with fixed interest rate.

Additional information

Call 800 700 800 or visit any branch for more detailed information on mortgage loans..

Exchange Rate


Cash Purchase Sale

EUR 26.452 28.088

USD 23.892 25.370

GBP 37.280 39.586

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News and press releases

July 1, 2015
Change in the standard Lists of Fees and Commissions as of 1.7.2015
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May 29, 2015
New SWIFT Code of Expobank CZ a.s. as from 7. 6. 2015
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