As of 29 October 2026, the lowest published rate of an Air Bank mortgage is 5.49 % on a 5-year fixation (fixed-rate period, fixace) at LTV up to 80 %. Applies with payment protection insurance and without the Chytrá rezerva (smart reserve); the size of the loan does not change the rate. By the rate for a 5-year fixation, Air Bank ranks number 3 among the 10 banks in our table. Against the average bank offer (5.84 %, Swiss Life Hypoindex, October 2026) the difference is −0.35 pp for the same fixation.
Rates by fixation period
| Fixation | Rate from, LTV up to 80 % | LTV 80 to 90 % | No discounts | Payment | Difference to the lowest rate |
|---|---|---|---|---|---|
| 2-year | 5.39 % | 5.39 % | 5.49 % | CZK 21,264 | +0.61 pp |
| 3-year | 5.39 % | 5.39 % | 5.49 % | CZK 21,264 | +0.61 pp |
| 5-year | 5.49 % | 5.49 % | 5.59 % | CZK 21,472 | +0.61 pp |
| 7-year | 5.69 % | 5.69 % | 5.79 % | CZK 21,892 | +0.30 pp |
| 10-year | 5.89 % | 5.89 % | 5.99 % | CZK 22,316 | +0.30 pp |
The bank states that its rate list is valid from 23 October 2026.
| Product | Fixation | Rate from |
|---|---|---|
| refinancing · Převedení hypotéky a otočka fixace | 2-year | 5.19 % |
| refinancing · Převedení hypotéky a otočka fixace | 3-year | 5.19 % |
| refinancing · Převedení hypotéky a otočka fixace | 5-year | 5.29 % |
| refinancing · Převedení hypotéky a otočka fixace | 7-year | 5.49 % |
| refinancing · Převedení hypotéky a otočka fixace | 10-year | 5.69 % |
Rate discounts
| Condition | Discount |
|---|---|
| payment protection insurance | −0.10 pp |
The rate in the table already includes the insurance discount. The loyalty benefits (Výhody za věrnost) come on top; the bank pays them back retrospectively, and they are not in the table.
The bank's representative example
A loan of CZK 3,600,000 over 30 years, 3-year fixation, rate 4.99 %, APRC 5.92 %, monthly payment CZK 20,983, total amount payable CZK 7,553,880. source
What is the current Air Bank mortgage rate in Czechia?
As of 29 October 2026, Air Bank publishes these rates for a new mortgage: 5.39 % for 2 years, 5.39 % for 3 years, 5.49 % for 5 years, 5.69 % for 7 years and 5.89 % for 10 years, with payment protection insurance and without the Chytrá rezerva. The bank’s table shows no one-year fixation as of 29 October 2026.
The rates apply from 23 October 2026 and do not depend on the size of the loan or on the LTV; the table says they are valid up to 90 % of the valuation. Without insurance every rate is 0.1 pp higher, for example 5.59 % for 5 years.
What does Air Bank require for its lowest rate?
The lowest rate applies with payment protection insurance, which lowers the rate by 0.1 pp. It costs 8.7 % of the current instalment, and the bank charges nothing for taking out or cancelling it. The bank states no other conditions for the rate in the table, but you need a current account with Air Bank to apply; if you do not have one, you can open it first.
On top of that, clients can get a 0.1 % discount on the interest rate through the loyalty benefits (Výhody za věrnost). The bank pays it back retrospectively after an instalment is paid on time, so it is not in the table. Under the promotion rules the condition is the package Žiju s Air Bank (“I live with Air Bank”): in the previous month at least 5 card payments and incoming payments totalling at least CZK 25,000; for those under 26, or receiving an invalidity, old-age or widow’s pension from the ČSSZ (Czech social security administration), 5 card payments are enough. The bank may change or end the promotion. Using the Chytrá rezerva, on the other hand, raises the rate by 0.2 pp.
How much will an Air Bank mortgage cost per month?
On a loan of CZK 3,500,000 over 25 years, the payment at 5.49 % for a 5-year fixation comes to CZK 21,472 a month, without the insurance premium. It is paid separately.
The bank’s representative example uses a loan of CZK 3,600,000 over 30 years, a 3-year fixation and a rate of 4.99 %. With the premium included, the payment is CZK 20,983 and the APRC (RPSN) is 5.92 %.
The rate of the example is a transfer rate, not a new-mortgage rate: as of 29 October 2026 it is lower than the 3-year rate for a new mortgage in the table (5.39 %) and equals the 3-year rate for transferring a mortgage (5.19 %). This APRC therefore does not belong to the rate of 5.39 %; the bank publishes the APRC only for this example. For your own amount use the mortgage calculator.
What fees does Air Bank charge?
Arranging or drawing a mortgage at Air Bank is free, and the fee list shows no loan administration fee. Valuation of a flat is free; for a house and a plot it costs CZK 5,000 on a new mortgage and is free when a mortgage is transferred. The first two drawdowns are free, the third and each further one costs CZK 500, and accelerated drawdown, for example for construction, costs 0.2 % of the mortgage amount.
The bank charges CZK 5,000 for a change to the mortgage contract, such as the security, while changing the instalment amount and the repayment date is free. Registering the lien costs CZK 2,000 at the land registry and its deletion CZK 1,600.
The fee list is dated 6 November 2024, and as of 29 October 2026 we found no newer version.
How can I repay an Air Bank mortgage early?
The law allows repayment without a fee of the whole remainder at the end of the fixation and of up to 25 % of the original loan amount a year in the month before the contract anniversary. At other times the bank may charge at most 0.25 % of the amount repaid for each started year until the end of the fixation, and 1 % in total. Repayment on the sale of the property or the settlement of joint marital property (SJM) 24 months after signing the loan is also free.
Air Bank lists early repayment and extra repayment in its fee list at CZK 0, and the mortgage page speaks of repayment free of charge. But the terms for using the mortgage of 8 December 2021 allow the bank to charge administrative costs and the interest difference when the mortgage moves to another bank before the end of the fixation, unless the parties agreed on more favourable terms. Which wording applies to a particular contract is shown by its text. The rules are summarised in the article Early mortgage repayment.
Can I refinance my mortgage to Air Bank?
For transferring a mortgage and renewing a fixation Air Bank has a separate table with lower rates than for a new mortgage: 5.19 % for 2 years, 5.19 % for 3 years, 5.29 % for 5 years, 5.49 % for 7 years and 5.69 % for 10 years, in each case with payment protection insurance. The property valuation is free on transfer.
According to the bank, an existing client gets the same offer on a new fixation. Money for a renovation, a garage or another housing mortgage can be added to the transfer. The general procedure is described on the page about refinancing a mortgage.
What conditions must I meet?
Loans run from CZK 500,000 to CZK 30,000,000, in crowns only, with a term of 1 to 30 years. The rate table applies up to 90 % of the valuation, but the page with the mortgage’s basic features says the bank usually lends up to 80 % and up to 90 % only to applicants under 36 who buy their own housing with the mortgage. We use the stricter figure; more in the article Mortgage for under-36s.
Co-borrowers can join the loan, and according to the bank a person joining the debt as an accessing party (přistupitel) can help towards a higher amount. The bank does not publish the maximum age at the end of the term.
Does Air Bank have an offset mortgage?
Air Bank offers a similar service called Chytrá rezerva (smart reserve). Money in the reserve reduces the principal on which interest is calculated. While the reserve is in use the bank raises the rate by 0.2 pp, and without the reserve nothing extra is paid.
Whether the interest saved exceeds the surcharge depends on the size of the deposit and on how long the money stays in the reserve. The bank’s calculator shows the saving.
Limits and fees
| Maximum LTV | 80 % |
|---|---|
| LTV under 36 | 90 % |
| Longest term | 30 years |
| Smallest loan | CZK 500,000 |
| Loan processing | free |
| Property valuation | flat free, house and plot CZK 5,000, free when transferring a mortgage |
| Loan account maintenance | free |
| Drawdown | first two drawdowns free, the third and each further one CZK 500 |
The table shows the fees for a new mortgage; the premium for payment protection insurance is paid separately, and the valuation of a house or plot is free when a mortgage is transferred.
What the bank offers
| Refinancing | yes A separate table with lower rates; the property valuation is free on transfer. |
|---|---|
| Green mortgage | not stated by the bank |
| American mortgage (equity loan) | no The mortgage cannot be used to repay loans unrelated to housing. |
| Buy-to-let mortgage | not stated by the bank |
| Construction | yes Staged drawdown only with a fixation of 5, 7 or 10 years. |
| Self-employed | yes The bank recognises income from business but has no separate product for entrepreneurs. |
| Online application | yes Application in internet banking, in the My Air app or with an assistant at a branch, then a mortgage expert calls. |
| Offset mortgage | yes Chytrá rezerva (smart reserve): the deposit reduces the principal on which interest is calculated, and the rate rises by 0.2 pp. |
| Cooperative flat | with conditions Buying a cooperative flat is among the purposes of the mortgage, but another property must be pledged as security. |
| Foreigners | with conditions The application asks for the type of residence permit; the bank does not publish the criteria. |
Banks with a similar rate
| Bank | Rate from | Rate conditions and fees |
|---|---|---|
| MONETA | 5.09 % | Applies with an account receiving income from CZK 15,000 a month, payment protection insurance and a loan of CZK 1 million or more |
| Česká spořitelna | 5.59 % | The rate applies when repaying from an active account at Česká spořitelna, with payment protection insurance and an energy-efficient property (class A or B). |
| Raiffeisenbank | 5.69 % | Applies to loans from CZK 2 million with an active account and insurance; an energy performance certificate (PENB) can earn a further 0.1 pp |
Rate history
Sources
- Rates by fixation period: www.airbank.cz/co-vas-nejvic-zajima/urokove-sazby-u-hypoteky/ · Checked 29 October 2026
- Mortgage: rates valid from 25 September 2026, fees and conditions: www.airbank.cz/produkty/hypoteka/ · Checked 14 October 2026
- Mortgage transfer and fixation renewal: www.airbank.cz/produkty/prevod-hypoteky/ · Checked 14 October 2026
- Representative example of the mortgage (PDF): www.airbank.cz/file-download/reprezentativni-priklad-hypoteky · Checked 14 October 2026
- Basic features of the mortgage: limits and purposes: www.airbank.cz/co-vas-nejvic-zajima/zakladni-vlastnosti-hypoteky/ · Checked 14 October 2026
- Terms of the loyalty benefits promotion, Výhody za věrnost (PDF): www.airbank.cz/file-download/5232-podminky-marketingove-akce-vyhody-za-vernost.p · Checked 14 October 2026
- Terms for using the mortgage of 8 December 2021 (PDF): www.airbank.cz/file-download/4294-podminky-pro-pouzivani-hypoteky.pdf · Checked 14 October 2026
- Mortgage application: procedure and co-borrowers: www.airbank.cz/co-vas-nejvic-zajima/zadost-o-hypoteku/ · Checked 14 October 2026
- Help in internet banking: mortgage application, income and residence: ib.airbank.cz/static-html/main/HIDDEN_MENU_NEW_MORTGAGE_REFINANCE/help.html · Checked 14 October 2026
All banks in the comparison
Frequently asked questions
Does Air Bank lend for a cooperative flat?
The bank lists the purchase of a cooperative flat among the purposes of the mortgage, but another property must be pledged as security. Other purposes are the purchase of a flat, house or building plot, reconstruction or construction, settlement of an inheritance or of joint marital property (SJM), and transfer of a mortgage.
Does Air Bank lend on property abroad?
The bank lists the purchase of a property abroad among the purposes of the mortgage. It assesses the security and other conditions at the application, and an older press release from 2023 mentioned security by a completed Czech property.
Does Air Bank offer an American mortgage?
The mortgage cannot be used to repay loans unrelated to housing. Up to CZK 1.5 million can be added to the mortgage without having to document it, provided the money goes on housing.
Does Air Bank give mortgages to the self-employed (OSVČ)?
The bank recognises income from business and from a liberal profession. Documents are bank statements or the tax return, and the bank has no separate product for entrepreneurs.
How quickly does Air Bank approve a mortgage?
The application is filed in internet banking, in the My Air app or with an assistant at a branch, then a mortgage expert calls. Once complete documents are delivered, the bank states that approval usually takes up to two working days.