ČSOB stavební spořitelna, a building savings bank, lends for housing through a bridging loan (meziúvěr), which turns into a loan from building savings once the target amount is allocated. As of 29 October 2026, it publishes the lowest rate of the unsecured KREDIT bridging loan at 6.69 % on a 3-year fixation (fixed-rate period, fixace) and 6.89 % on a 6-year fixation (according to the bank’s calculator), from CZK 800,000. The base rate without discounts is 7.69 %. Conditions of the rate: From CZK 800,000, with a 1.0 pp discount for death and disability insurance and for an active ČSOB account.
Rates by fixation period
| Fixation | Rate from | No discounts | Payment | Difference to the lowest rate |
|---|---|---|---|---|
| 3-year | 6.69 % | 7.69 % | CZK 26,488 | +1.79 pp |
| 6-year | 6.89 % | – | CZK 26,905 |
Rate discounts
| Condition | Discount |
|---|---|
| life insurance | −0.40 pp |
| payment protection insurance | −0.20 pp |
| account with the bank | −0.40 pp |
In the table, “life insurance” is insurance against death and “payment protection insurance” is insurance against disability. The “from” rate on a 3-year fixation includes all three discounts, 1.0 pp together; for a 6-year fixation the bank does not state the size of the discounts. The base rate is without discounts.
The bank's representative example
A loan of CZK 1,000,000 over 14.5 years, 3-year fixation, rate 6.69 %, APRC 8.20 %, monthly payment not published, total amount payable CZK 1,683,473. source
How does a building savings loan differ from a mortgage?
A mortgage is a loan secured by a property. ČSOB stavební spořitelna does not call its loans mortgages. It lends through a bridging loan: until the target amount is allocated you pay only interest and save at the same time, and then the bridging loan is repaid with the saved amount, the state support and a regular loan from building savings (řádný úvěr ze stavebního spoření) at a fixed rate of 4.5 %. The basis is a building savings contract, which the bank concludes together with the loan; you do not have to have saved in advance.
For an unsecured bridging loan the bank takes as security only the claim to the payout of the deposit from building savings; otherwise it requires a lien on a property (zástavní právo), possibly together with the claim. Without a lien on a property it lends up to CZK 2,500,000 for purchase and reconstruction and up to CZK 3,500,000 for energy-saving solutions and cooperative housing. The secured TOPKREDIT bridging loan, with a lien on a property, runs for up to 30 years and is not in the table. How the two products relate is summarised in the article Building savings and a mortgage.
What is the rate of a ČSOB stavební spořitelna loan?
As of 29 October 2026, the lowest rate of the unsecured KREDIT bridging loan is 6.69 % on a 3-year fixation and 6.89 % on a 6-year fixation, both from CZK 800,000. The bank gives the rate for a 3-year fixation on its page with all the discounts, and the rate for a 6-year fixation only in the calculator, without the size of the discounts. The base rate without discounts on a 3-year fixation is 7.69 %. Below CZK 800,000 the bank’s calculator uses higher rates, and the text of the page does not mention this band.
As of 29 October 2026, the bank states a lower rate for the separate Úvěr na úsporné bydlení (loan for energy-saving housing) without security than for KREDIT. It is not in our table, so we do not give its rate.
We do not give the rate of the secured TOPKREDIT bridging loan either. As of 29 October 2026, the bank’s calculator and the text of the page for this product differ on the rate, and the bank does not explain the difference.
What does ČSOB stavební spořitelna require for its lowest rate?
The “from” rate on a 3-year fixation includes a 1.0 pp discount: 0.4 pp for death insurance, 0.2 pp for disability insurance and 0.4 pp for an actively used ČSOB current account. The insurance is taken out with ČSOB Pojišťovna, and the insured person must be the borrower, a co-borrower or a person acceding to the debt (přistupitel). Without the discounts the rate is 7.69 %.
The account is active when, every calendar month, you make five card payments with a ČSOB card and income of at least CZK 15,000 arrives on the account from which you repay the loan and save. For young clients, whom the bank defines as aged up to 26, the income condition does not apply. If you fail to meet the condition, the bank has the right to raise the rate by 0.4 pp.
How much does a ČSOB stavební spořitelna loan cost?
Fee for providing the bridging loan: 1 % of the loan amount, at least CZK 1,000 and at most CZK 4,900 (price list, sazebník, from 1 July 2026). The product pages and the bank’s examples say free, which matches the earlier price list of November 2025. The price list in force sets the fee.
Further charges: bridge loan and account administration CZK 399 a year, regular loan administration CZK 399 a year, building savings deposit account CZK 360 a year. Property valuation: not used for an unsecured loan; for a secured one CZK 5,000 for a flat, CZK 6,000 for a family house, online valuation free.
The bank’s representative example is an average bridging loan of CZK 1,000,000 at a rate of 6.69 % on a 3-year fixation. Its APRC (RPSN) is 8.20 % and covers both phases, the bridging loan and the regular loan, and the fees for maintaining the accounts. The example assumes a fee of CZK 0 for concluding the contract, which does not match the price list from 1 July 2026, so with the fee paid the APRC would come out higher. A single monthly payment is not given, because it changes after the target amount is allocated.
How does the ČSOB stavební spořitelna calculator work?
On the page of the unsecured loan, the calculator works with a loan from CZK 300,000 to CZK 3,500,000, a term of 7 to 20 years and a fixation of 3 years, 6 years or none. The monthly payment in it is the sum of interest on the bridging loan and monthly saving. Interest for a month is one twelfth of the annual rate on the amount drawn, for example the rate of 6.69 % on a 3-year fixation.
How much you save depends on the term: the shorter the term, the larger the share of the loan you save each month. The calculator shows the payment before the target amount is allocated; a regular loan with a different instalment follows. Our mortgage calculator is an annuity calculator and cannot handle such a two-phase loan, so treat its result as a rough estimate only.
Does ČSOB stavební spořitelna lend for a cooperative flat?
Yes, the bank lists cooperative housing (družstevní bydlení) among the purposes and lends up to CZK 3,500,000 for acquiring or reconstructing it. For cooperative housing the bank names the KREDIT loan and does not publish a separate rate for it on the page. The lowest KREDIT rate is 6.69 % on a 3-year fixation from CZK 800,000; the bank does not say whether it also applies to cooperative housing. The term is at most 20 years.
On its page about building savings the bank writes that you can borrow for housing, reconstruction or a cooperative flat. It does not list documents for a cooperative flat on its website. You can find other lenders in the overview of financing a cooperative flat.
How can I repay a ČSOB stavební spořitelna loan early?
Both the bridging loan and the loan from building savings can be repaid early, in full or in part. In its information for consumers the bank says that, outside the statutory exceptions, it may require reasonably incurred costs: administrative costs of at most CZK 1,000 and the interest difference, at most 0.25 % of the part repaid early for each started year until the end of the fixation and at most 1 % in total.
For the bridging loan, repayment is free within 3 months of notice of a new rate at a refixation, up to 25 % of the loan in the month before the contract anniversary, and after two years from signing on the sale of the property or the settlement of joint marital property (SJM). There are also no costs when repaying from insurance payments or after the death, long-term illness or disability of the borrower or their partner, if it considerably lowers the ability to repay. Tell the bank of your intention no later than 30 days in advance.
The calculation of early repayment is free, and for consumer loans so is a repeated one. For a calculation that is not followed by repayment the bank charges CZK 1,000 according to the price list. A summary of the rules is in the article Early mortgage repayment.
What conditions must I meet?
The bank’s calculator works with a loan without a lien on a property from CZK 300,000 to CZK 3,500,000; the bank states no formal minimum. Terms run from 7 to 20 years, in crowns only. The purpose follows from the Building Savings Act (§ 6 of Act No. 96/1993 Coll.) and from the bank’s pages: the money must go to housing needs in Czechia, that is, purchase, construction, reconstruction, a settlement, refinancing a loan from another bank, cooperative housing or energy-saving solutions. The purpose is documented.
On its website the bank does not publish the maximum age at the end of the term, a minimum income or the conditions for the self-employed (OSVČ) and foreigners. The application starts with the “Mám zájem” (“I am interested”) form and a meeting with an adviser.
Limits and fees
| Longest term | 20 years |
|---|---|
| Loan processing | 1 % of the loan amount, at least CZK 1,000 and at most CZK 4,900 (price list, sazebník, from 1 July 2026) |
| Property valuation | not used for an unsecured loan; for a secured one CZK 5,000 for a flat, CZK 6,000 for a family house, online valuation free |
| Loan account maintenance | bridge loan and account administration CZK 399 a year, regular loan administration CZK 399 a year, building savings deposit account CZK 360 a year |
| Drawdown | not published |
The table shows the fee for providing a bridging loan according to the price list valid from 1 July 2026. The product pages and the bank’s examples say free, which matches the earlier price list of November 2025. The bank states the exact amount in the pre-contractual information.
What the bank offers
| Refinancing | yes The bank says it will help you refinance a loan you have elsewhere. |
|---|---|
| Green mortgage | yes Úvěr na úsporné bydlení (loan for energy-saving housing) up to CZK 3,500,000. A secured loan has a 0.4 pp discount for the energy class: the bank states class A to C, and in the list under the example A or B; check with the bank. |
| American mortgage (equity loan) | no The purpose of the loan is documented; the bank does not offer a loan for anything. |
| Buy-to-let mortgage | not stated by the bank |
| Construction | yes Construction is among the purposes of the loan. |
| Self-employed | not stated by the bank |
| Online application | not stated by the bank |
| Offset mortgage | not stated by the bank |
| Cooperative flat | yes Up to CZK 3,500,000. The bank names the KREDIT loan and does not publish a separate rate for cooperative housing. |
| Foreigners | not stated by the bank |
Banks with a similar rate
| Bank | Rate from | Rate conditions and fees |
|---|---|---|
| Buřinka | 5.89 % | Loan without a lien on the property, “from” rate set by the client’s creditworthiness, first a two-year bridging loan |
| Modrá pyramida | 5.99 % | No lien on the property; a building savings contract and proof of the purpose of the loan are required |
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
- Unsecured loan: rates, discounts, representative example: www.csob.cz/lide/bydleni/uver-bez-zajisteni · Checked 29 October 2026
- Loan secured by a property: www.csob.cz/lide/bydleni/uver-se-zajistenim · Checked 14 October 2026
- Loan for energy-saving housing (Úvěr na úsporné bydlení): www.csob.cz/lide/bydleni/uver-na-usporne-bydleni · Checked 14 October 2026
- Price list valid from 1 July 2026 (PDF): www.csobstavebni.cz/documents/d/csobss/sazebnik-uhrad-2026-7 · Checked 14 October 2026
- Information permanently available to consumers: term, early repayment (PDF): www.csobstavebni.cz/documents/d/csobss/informace-pro-klienty · Checked 14 October 2026
- Terms of the loan package: discount rules (PDF): www.csobstavebni.cz/documents/10710/25910550/podminky-uveroveho-balicku-stavebni · Checked 14 October 2026
- Building savings at ČSOB Stavební spořitelna: www.csob.cz/lide/sporeni/stavebni-sporeni · Checked 14 October 2026
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Frequently asked questions
Does ČSOB stavební spořitelna have a mortgage?
The bank does not call its loans mortgages. It lends through a bridging loan, which turns into a loan from building savings once the target amount is allocated, and the bridging loan secured by a property is TOPKREDIT, with a term of up to 30 years.
How much can I borrow without a lien on a property?
Up to CZK 2,500,000 for purchase and reconstruction and up to CZK 3,500,000 for energy-saving solutions and cooperative housing. The term is 7 to 20 years.
Is ČSOB stavební spořitelna the same as ČSOB?
No, it is a separate company, ČSOB Stavební spořitelna, a.s., from the ČSOB (KBC) group, formerly Českomoravská stavební spořitelna. It presents its products on the website csob.cz, though.
Do I have to have saved in advance?
No, the bank says you do not have to have saved in advance or have an existing building savings contract. The building savings contract is concluded together with the loan.