As of 29 October 2026, Česká spořitelna publishes its lowest “from” rate for a 5-year fixation (fixed-rate period, fixace) at 5.59 %, for LTV up to 80 %. 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). By rate for a 5-year fixation the bank ranks number 4 of 10 banks in our table, and it differs from the average offer of banks (Swiss Life Hypoindex 5.84 %) by −0.25 pp. Without discounts the bank states 6.29 % for a 5-year fixation.
Rates by fixation period
| Fixation | Rate from, LTV up to 80 % | LTV 80 to 90 % | No discounts | Payment | Difference to the lowest rate |
|---|---|---|---|---|---|
| 1-year | 5.39 % | 5.59 % | 6.09 % | CZK 21,264 | +0.70 pp |
| 2-year | 5.39 % | 5.59 % | 6.09 % | CZK 21,264 | +0.61 pp |
| 3-year | 5.39 % | 5.59 % | 6.09 % | CZK 21,264 | +0.61 pp |
| 4-year | 5.49 % | 5.69 % | 6.19 % | CZK 21,472 | lowest |
| 5-year | 5.59 % | 5.79 % | 6.29 % | CZK 21,682 | +0.71 pp |
| 8-year | 5.79 % | 5.99 % | 6.49 % | CZK 22,103 | |
| 10-year | 5.99 % | 6.19 % | 6.69 % | CZK 22,529 | +0.40 pp |
| 15-year | 6.19 % | 6.39 % | 6.89 % | CZK 22,959 | lowest |
| 20-year | 6.39 % | 6.59 % | 7.09 % | CZK 23,392 |
The bank states that its rate list is valid from 11 September 2026.
Rate discounts
| Condition | Discount |
|---|---|
| account with the bank | −0.50 pp |
| payment protection insurance | −0.10 pp |
| energy-efficient property | −0.10 pp |
Discounts are deducted from the rate without discounts for the same fixation and LTV, and they are the same for every fixation; all three together lower the rate by 0.70 pp.
The bank's representative example
A loan of CZK 4,500,000 over 25 years, 3-year fixation, rate 5.89 %, APRC 6.17 %, monthly payment CZK 28,927, total amount payable CZK 8,692,655. source
What are the conditions for the lowest rate at Česká spořitelna?
The “from” rate applies to a client who repays from an actively used account at Česká spořitelna (in the documents we read, the bank does not say what exactly “active” means), takes out payment protection insurance and finances an energy-efficient property.
Repaying from an active account at the bank gives a discount of 0.50 pp. Payment protection insurance from the bank’s insurance company (Pojišťovna České spořitelny) gives 0.10 pp in every variant. Standard cover is death, disability of the 2nd and 3rd degree and long-term incapacity for work; Plus adds job loss and, for the self-employed (OSVČ), closure of the trade. Premiums are 9.26 % (Standard) and 10.55 % (Plus) of the monthly instalment.
The same 0.10 pp comes from Hypotéka pro budoucnost (Mortgage for the Future), that is, buying or building a property with energy class A or B, or a reconstruction that lowers the building’s energy demand. For a 5-year fixation the rate therefore falls from 6.29 % without discounts to 5.59 %. According to the comparison on the bank’s page, a client who does not meet the third condition pays 0.10 pp more.
The “from” rate is for LTV up to 80 %. For LTV of 80 to 90 % the bank states higher rates with the same discounts: 5.79 % for a 5-year fixation.
How much will a Česká spořitelna mortgage cost per month?
On a loan of CZK 3,500,000 over 25 years at 5.59 % (5-year fixation) the annuity payment is CZK 21,682 per month. The rate changes when the fixation ends, so the payment applies only to the first fixation. For your own amount, term and fixation use the mortgage calculator.
In its representative example the bank states a loan of CZK 4,500,000 over 25 years with a 3-year fixation, rate 5.89 %, payment CZK 28,927 and APRC (RPSN) 6.17 %. The APRC belongs to the rate of the example. For the lowest “from” rate the bank publishes no APRC of its own, and we do not calculate one.
What fees does Česká spořitelna charge?
According to the price list, loan processing is free. A property valuation costs CZK 5,000 for a flat, CZK 6,000 for a house; for some properties the bank arranges an online valuation free of charge. Drawdown: first drawdown free, each further one CZK 500. Loan administration is free. For the undrawn part of the loan the bank charges a reservation fee of 0.5 % a year: after 6 months from signing the contract for a purchase, and after 24 months for construction, reconstruction and completion. According to the price list the fee applies to refinancing as well, but not to the pre-mortgage loan (Předhypoteční úvěr) and bridge financing (Překlenovací financování).
The product page speaks of a mortgage without fees and of a discount on fees of up to CZK 16,500. Yet the bank’s price list and its example both include a valuation fee and land registry fees. How the discount of up to CZK 16,500 is made up, the page does not itemise.
How can I repay a Česká spořitelna mortgage early?
The loan or part of it can be repaid at any time; the bank asks for notice at least 7 working days in advance. For contracts after 30 November 2016 the price list says “reasonably incurred costs in accordance with the law” and sets no annual free limit of its own, so the law decides.
The law allows repayment without a fee of the loan at the end of the fixation and within three months of notice of the new rate, and also of up to 25 % of the original loan amount a year if it is paid 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. The bank must announce the new rate at least three months before the end of the fixation. Details are in the article on early repayment of a mortgage.
Can I get a Česká spořitelna mortgage if I am under 36?
According to its partner handbook HypoTahak, Česká spořitelna allows applicants under 36 LTV of up to 90 %, but at most CZK 20 million; for spouses it is enough that one of them is under 36. For applicants aged 36 and over the handbook states LTV 80 % and, exceptionally, 90 % after the scoring result “Přijato” (accepted).
The bank publishes no separate rate for young people. For LTV of 80 to 90 % the band with higher rates applies: 5.79 % for a 5-year fixation. The LTV limit is also set by the ČNB (Czech National Bank); the context is summarised in the article Mortgage for under-36s.
How do I refinance a mortgage to Česká spořitelna?
According to the refinancing page, the bank charges nothing for processing and administering the loan, the online flat valuation is free and only land registry fees are paid. A client who has repaid without problems so far does not have to document income. The page mentions fixations of 8, 10, 15 and 20 years.
The rate sheet for refinancing gives no separate rate; refinancing is one of the purposes of the mortgage and follows the rates in the table above. How to calculate a refinancing and when it pays off is explained on the page about refinancing a mortgage.
Does Česká spořitelna lend to the self-employed and foreigners, and on a cooperative flat?
The self-employed (OSVČ) can borrow; the bank states no rules for foreigners in the documents we read, and it counts a cooperative flat among the properties a mortgage is offered for. From the self-employed the HypoTahak handbook requires the tax return for the last closed period and proof of tax payment for loans up to CZK 5 million, and returns for two closed periods above CZK 5 million.
When a property cannot yet be pledged, the bank offers Předhypoteční úvěr (pre-mortgage loan): up to 90 % of the property value, at most CZK 5 million, for two years and with a surcharge on the rate. We have a separate article on cooperative flats.
How does Česká spořitelna differ from other banks?
The bank publishes rates for nine fixations from 1 to 20 years, for LTV up to 80 % and for 80 to 90 %, and, besides the rate after discounts, also the rate without discounts. Rates for long fixations are 6.19 % for 15 years and 6.39 % for 20 years.
What to watch: the “from” rate requires all three conditions, the bank states the APRC only for an example with a different rate, and “mortgage without fees” does not match the price list. The American mortgage (LTV up to 70 %, term of up to 20 years) has its own rate sheet and is not in the table; it is explained in the article on the American mortgage. Other banks are in the mortgage comparison.
Limits and fees
| Maximum LTV | 80 % |
|---|---|
| LTV under 36 | 90 % |
| Longest term | 30 years |
| Smallest loan | CZK 300,000 |
| Loan processing | free |
| Property valuation | CZK 5,000 for a flat, CZK 6,000 for a house; for some properties the bank arranges an online valuation free of charge |
| Loan account maintenance | free |
| Drawdown | first drawdown free, each further one CZK 500 |
For filing the application to register the lien the bank charges CZK 500, plus the land registry’s administrative fees; a larger change to the contract costs CZK 3,000 (CZK 5,000 at a branch), a smaller one CZK 300 (CZK 500 at a branch), and other changes are free in internet banking.
What the bank offers
| Refinancing | yes According to the refinancing page, no fee for processing or loan administration and a free online flat valuation; land registry fees are paid. |
|---|---|
| Green mortgage | yes Hypotéka pro budoucnost (Mortgage for the Future): 0.10 pp discount, term of up to 35 years according to the table on the bank’s page. |
| American mortgage (equity loan) | yes American mortgage: LTV up to 70 %, term of up to 20 years, loan of up to CZK 25 million, its own rate sheet. |
| Buy-to-let mortgage | yes LTV 70 % for an investment (a third or further property, or income from future letting); the list of purposes also contains “Koupě s následným pronájmem” (purchase for subsequent letting). |
| Construction | yes Construction is possible even without invoices; timber-frame and prefabricated houses only from members of the Association of Prefabricated House Suppliers (Asociace dodavatelů montovaných domů). |
| Self-employed | yes Up to CZK 5 million the tax return for the last closed period is enough; above CZK 5 million, returns for two periods. |
| Online application | yes Application through George internet banking or at a branch. |
| Offset mortgage | not stated by the bank |
| Cooperative flat | with conditions A cooperative flat is among the properties a mortgage is offered for; Předhypoteční úvěr (pre-mortgage loan) covers a property that temporarily cannot be pledged. |
| Foreigners | not stated by the bank |
Banks with a similar rate
| Bank | Rate from | Rate conditions and fees |
|---|---|---|
| Air Bank | 5.49 % | Applies with payment protection insurance and without the Chytrá rezerva (smart reserve); the size of the loan does not change the rate |
| 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 |
| mBank | 5.79 % | Applies to all clients; under the bank’s terms an mKonto current account is required for the whole life of the loan |
Rate history
The chart appears once the history holds at least two rate changes. We check the rates every working day since 14 October 2026.
Sources
- Rates by fixation period: cdn.erstegroup.com/content/dam/cz/csas/www_csas_cz/dokumenty/produkty/osobni-fin · Checked 29 October 2026
- Notice of interest rates, effective from 1 October 2026: www.csas.cz/banka/content/inet/internet/cs/RR_SK.ANN..xml,pdf_IE · Checked 14 October 2026
- Mortgage page: conditions and representative example: www.csas.cz/cs/osobni-finance/hypoteky/hypoteka · Checked 14 October 2026
- Price list for the Hypotéka, effective from 1 April 2025: www.csas.cz/static_internet/cs/Obchodni_informace-Produkty/Sazebnik/Produktove_s · Checked 14 October 2026
- Product information: term, early repayment: cdn.erstegroup.com/content/dam/cz/csas/www_csas_cz/dokumenty/produkty/osobni-fin · Checked 14 October 2026
- HypoTahak handbook: LTV, limits, documents: www.csas.cz/static_internet/cs/Systemy_a_aplikace/Extranet/MSF/Prilohy/Hypotahak · Checked 14 October 2026
- Mortgage refinancing: www.csas.cz/cs/osobni-finance/hypoteky/refinancovani-hypoteky · Checked 14 October 2026
- Hypotéka pro budoucnost (Mortgage for the Future): www.csas.cz/cs/osobni-finance/hypoteky/hypoteka-pro-budoucnost · Checked 14 October 2026
All banks in the comparison
Frequently asked questions
What is the longest fixation at Česká spořitelna?
Rates are published for fixations of up to 20 years; the lowest “from” rate for it is 6.39 % as of 29 October 2026. Shorter fixations are 1, 2, 3, 4, 5, 8, 10 and 15 years.
Since when are Česká spořitelna’s rates valid?
The bank’s rate sheet is valid from 11 September 2026. The notice of interest rates that we list among the sources is effective from 1 October 2026 and, as of 14 October 2026, gives the same rates. We check the bank’s website every working day, most recently on 29 October 2026.
Will I get the rate shown in the table?
Only if you meet all three conditions of the bank. Without discounts the rate for 5 years is 6.29 %; with the account, insurance and an energy-efficient property it is 5.59 %.
How much can I borrow from Česká spořitelna?
A loan can run from CZK 300,000 to CZK 25,000,000 with a term of 5 to 30 years. Higher amounts are assessed by the bank individually.
Does Česká spořitelna lend 100 % of the property value?
The bank’s page states that banks do not normally provide 100 % mortgages today. A further property can also serve as security.