As of 29 October 2026, the “from” rate of the ČSOB mortgage (ČSOB Hypotéka) for a 5-year fixation (fixed-rate period, fixace) is 6.34 %, but for LTV up to 70 % the bank publishes lower rates. Conditions of the rate: LTV band of 70 to 80 % (for LTV up to 70 % the bank publishes a lower rate), two applicants, account with card and income, insurance, energy certificate (PENB) A/B, loan from CZK 2 million. By rate for a 5-year fixation, ČSOB ranks number 10 of 10 banks in our table, and it differs from the average offer of banks (Swiss Life Hypoindex 5.84 %) by +0.50 pp. The loan is provided by ČSOB Hypoteční banka, and ČSOB sells it as an intermediary.
Rates by fixation period
| Fixation | Rate from, LTV up to 80 % | LTV 80 to 90 % | Payment | Difference to the lowest rate |
|---|---|---|---|---|
| 1-year | 5.84 % | 5.99 % | CZK 22,209 | +1.15 pp |
| 3-year | 5.94 % | 6.09 % | CZK 22,422 | +1.16 pp |
| 5-year | 6.34 % | 6.49 % | CZK 23,284 | +1.46 pp |
| 7-year | 6.84 % | 6.99 % | CZK 24,381 | +1.45 pp |
| 10-year | 7.14 % | 7.29 % | CZK 25,051 | +1.55 pp |
The bank states that its rate list is valid from 12 October 2026.
Rate discounts
| Condition | Discount |
|---|---|
| account with the bank | −0.50 pp |
| life insurance | −0.20 pp |
| energy-efficient property | −0.20 pp |
| other bank condition | −0.20 pp |
The “from” rate already contains all four discounts; when a condition is missing, the bank raises the rate by 0.5 pp without an account with card and income, by 0.2 pp without life insurance, by 0.2 pp without an energy certificate (PENB) of class A or B and by 0.2 pp for a loan under CZK 2 million, but a missing condition does not rule out the loan.
The bank's representative example
A loan of CZK 4,500,000 over 30 years, 3-year fixation, rate 5.79 %, APRC 6.23 %, monthly payment CZK 26,376, total amount payable CZK 9,744,110. source
What are the conditions for the “from” rate at ČSOB?
The “from” rate applies to a client who repays from an account with ČSOB or ČSOB Poštovní spořitelna, takes out life insurance from ČSOB Pojišťovna, documents an energy performance certificate (PENB) of class A or B and borrows CZK 2 million or more. From the first drawdown, five card payments a month must go through the account and at least CZK 15,000 must arrive on it, although income is not required of an account holder under 27.
The rate also assumes two applicants and a current account with ČSOB held for at least three months. The table shows the LTV band up to 80 %; in the band up to 90 % (for clients under 36 only) the rate for a 5-year fixation is 6.49 %. For LTV up to 70 % the bank states a lower rate, which is not in our table. What to look at: the bank does not publish a rate without discounts, and when a condition is not met, the increase given in the note under the discount table is added to the “from” rate.
Is Hypoteční banka the same as ČSOB?
They are two separate banks of the ČSOB Group, and they were never merged. The loan is provided by ČSOB Hypoteční banka, a.s. (company ID or IČO 13584324). Contracts for the ČSOB Hypotéka are concluded in its name by Československá obchodní banka, a. s., as an independent intermediary. In its document on intermediation ČSOB describes Hypoteční banka as a subsidiary, and the ČNB (Czech National Bank) keeps the two banks separately in its list of bank codes, as 0300 and 2100.
The short name Hypoteční banka refers to ČSOB Hypoteční banka (website csobhypotecni.cz; the old domain hypotecnibanka.cz redirects to it). The price list, conditions and consumer information are issued by Hypoteční banka, while ČSOB publishes the rates and the calculator on csob.cz.
How much will a ČSOB mortgage cost per month?
On a loan of CZK 3,500,000 over 25 years at 6.34 % (5-year fixation) the annuity payment is CZK 23,284 per month, excluding insurance premiums. 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.
The bank publishes the APRC (RPSN) only for a representative example for a specific loan, fixation and LTV band. It belongs to the rate of the example, not to the “from” rate in our table, and we do not calculate it.
The example on the bank’s page (as of 14 October 2026) is a loan with LTV of 70 % (security worth CZK 6,428,571) for two applicants and with all discounts. Life insurance of CZK 673 a month is included in its APRC and total amount, but not in the payment. Its rate therefore belongs to the band up to 70 %, which is not in our table, and is lower than the rate in our table for LTV up to 80 %.
What fees does ČSOB charge?
According to the price list of ČSOB Hypoteční banka, loan processing is free. Property valuation is free for a purpose-bound mortgage (offer “until withdrawn”, as of 14 October 2026); otherwise it would cost CZK 5,000 for a flat and CZK 6,000 for a house. Loan administration is free for loans approved from 19 February 2024 (offer “until withdrawn”, as of 14 October 2026; otherwise CZK 150 a month). Drawdown: CZK 2,200 for a drawdown against the application for entry in the land registry; other drawdowns: the first is free in the Mortgage Zone (Hypoteční zóna) and each further one costs CZK 250, outside it CZK 1,000 per drawdown.
For the undrawn part of the loan the bank charges a reservation fee of 0.5 % a year, payable after 6 months from the signing of the contract (for the mortgage without a property, Hypotéka bez nemovitosti, it is free when the loan is drawn within 12 months). According to the bank’s examples, the land registry’s administrative fee for filing the application to register the lien is CZK 2,000. As of 14 October 2026, the bank lists the price list effective from 22 September 2025 as current.
How can I repay a ČSOB mortgage early?
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 in advance.
For contracts from 1 December 2016, ČSOB Hypoteční banka states “reasonably incurred costs”. According to the consumer information, for a purpose-bound loan these are administrative costs of up to CZK 1,000 and a component from the interest difference, together at most 0.25 % for each started year of the remaining fixation and at most 1 %. On full repayment a fee for the instruction to delete the lien is paid as well. The context is summarised in the article on early repayment and on the page about the end of a fixation.
Can I get a ČSOB mortgage if I am under 36?
ČSOB lends clients under 36 up to 90 % of the value of the property pledged, and others at most 80 %. It publishes no separate rate for young people; the 80 to 90 % band applies, which for a 5-year fixation is 6.49 %. The bank does not say how age is counted for several applicants; in its methodology Komerční banka takes the younger spouse for spouses, and for other applicants all of them must be under 36.
The ČNB (Czech National Bank) also sets an LTV limit: generally 80 %, and 90 % for applicants under 36. More context is in the article Mortgage for under-36s.
Does ČSOB give a mortgage without a property?
ČSOB offers the Hypotéka bez nemovitosti (mortgage without a property): a loan of up to CZK 12 million is approved in advance and there are up to 9 months to look for a property. The bank returns half of the processing fee if drawdown is completed within six months of approval. According to the bank, the rate-watching service (Hlídač sazby) lowers the rate by up to 0.3 % if ČSOB rates fall during the search, and keeps it if they rise.
The American mortgage is a loan without a stated purpose of up to 70 % of the property value with a fixation of 1, 3 and 5 years; it is not in our table. It is explained in the article on the American mortgage.
Does ČSOB give a mortgage without proof of income?
The bank says that clients “usually do not have to document their income”, but does not explain the conditions. At the same time the Consumer Credit Act requires the bank to assess the ability to repay before granting a loan. According to the bank, an application is usually assessed in 5 working days after all documents are delivered. More in the article Mortgage without proof of income.
Limits and fees
| Maximum LTV | 80 % |
|---|---|
| LTV under 36 | 90 % |
| Longest term | 30 years |
| Maximum age at the end of the loan | 65 years |
| Smallest loan | CZK 500,000 |
| Loan processing | free |
| Property valuation | free for a purpose-bound mortgage (offer “until withdrawn”, as of 14 October 2026) |
| Loan account maintenance | free for loans approved from 19 February 2024 (offer “until withdrawn”, as of 14 October 2026; otherwise CZK 150 a month) |
| Drawdown | CZK 2,200 for a drawdown against the application for entry in the land registry; other drawdowns: the first is free in the Mortgage Zone (Hypoteční zóna) and each further one costs CZK 250, outside it CZK 1,000 per drawdown |
Fees are based on the price list of ČSOB Hypoteční banka effective from 22 September 2025; for the Hypotéka bez nemovitosti (mortgage without a property) processing the application costs CZK 9,900, for the American mortgage CZK 2,900.
What the bank offers
| Refinancing | yes Refinancing is among the purposes of the mortgage; the bank publishes no separate rate or fees for it. |
|---|---|
| Green mortgage | yes 0.2 pp discount for a property with an energy certificate (PENB) of class A or B; the energy-saving housing mortgage (hypotéka na úsporné bydlení) has the same rates. |
| American mortgage (equity loan) | yes American mortgage: LTV up to 70 %, fixations of 1, 3 and 5 years, its own rates in the bank’s calculator. |
| Buy-to-let mortgage | not stated by the bank |
| Construction | yes Accelerated construction (drawdown of up to CZK 500,000 above the value of the security) costs CZK 3,000, the report on the state of construction prepared by the bank’s appraiser CZK 2,300. |
| Self-employed | yes Income is documented for the last tax period, and the business must have run for at least 6 months in it. |
| Online application | yes Application in the Hypoteční zóna (Mortgage Zone), in ČSOB Smart or in internet banking; assessment usually takes 5 working days after the documents are delivered. |
| Offset mortgage | not stated by the bank |
| Cooperative flat | with conditions A cooperative flat that is not being transferred into personal ownership can be financed if the loan is secured by another property in personal ownership. |
| Foreigners | yes The bank also lends to foreigners and gives details at its branches; income from abroad can be documented. |
Banks with a similar rate
| Bank | Rate from | Rate conditions and fees |
|---|---|---|
| UniCredit Bank | 5.79 % | Applies with payment protection insurance and activity on the account: income of 1.5 times the instalment and 3 card payments a month |
| Komerční banka | 6.29 % | LTV up to 80 % (clients under 36 up to 90 %, refinancing without an increase up to 120 %), income paid to a KB account, life insurance and property insurance from Komerční pojišťovna, energy certificate (PENB) A/B |
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: www.csob.cz/lide/poplatky-a-sazby/sazby · Checked 29 October 2026
- ČSOB Hypotéka page: calculator and conditions: www.csob.cz/lide/bydleni/hypoteka · Checked 14 October 2026
- Representative examples and conditions for obtaining the rate: www.csob.cz/lide/bydleni/hypoteka/reprezentativni-priklad · Checked 14 October 2026
- Frequently asked questions about the Hypotéka: LTV under 36, age, self-employed, foreigners, cooperative flats: www.csob.cz/lide/bydleni/caste-dotazy · Checked 14 October 2026
- Price list of ČSOB Hypoteční banka, effective from 22 September 2025: www.csobhypotecni.cz/documents/d/csobhyp/sazebnik-csob-hypotecni-banky-250922 · Checked 14 October 2026
- Information permanently available to consumers: early repayment: www.csobhypotecni.cz/documents/d/csobhyp/informace-trvale-pristupne-spotrebiteli · Checked 14 October 2026
- ČSOB as intermediary: who provides the loan: www.csob.cz/documents/d/csob/csob-jako-zprostredkovatel · Checked 14 October 2026
- Conditions of the ČSOB Hypotéka: www.csob.cz/documents/10710/474148/podminky-csob-hypoteky.pdf · Checked 14 October 2026
All banks in the comparison
Frequently asked questions
What is the longest fixation at ČSOB?
Rates are published for fixations of 1, 3, 5, 7 and 10 years; for 10 years the “from” rate as of 29 October 2026 is 7.14 % for LTV up to 80 %. Fixations of 15 to 30 years are also listed in the consumer information, but the bank does not publish rates for them.
Since when are ČSOB’s rates valid?
The table of “from” rates on the bank’s website is dated 12 October 2026; the rates for longer fixations are in the bank’s calculator without a date. We check the website every working day, most recently on 29 October 2026.
How much does the insurance that lowers the ČSOB rate cost?
According to the bank’s page, the price of mortgage insurance is a share of the monthly instalment: 2.62 % at an entry age of 18 to 35, 5.59 % at 36 to 45 and 8.66 % at 46 to 55. The 0.2 pp discount is given for credit life insurance covering 100 % of the loan or for the “Our Life” insurance (Náš život) from the ČSOB insurance company (ČSOB Pojišťovna); the page does not say which of these variants the price refers to.
How much can I borrow from ČSOB?
The bank’s calculator works with a loan from CZK 500,000 to CZK 25,000,000, and the consumer information gives a term of 5 to 30 years. Formal limits of the loan are not published. The loan must be repaid by the age of 65, or 70 or 72 when the bank individually assesses the sustainability of income.
Does ČSOB lend to the self-employed, foreigners and on a cooperative flat?
Self-employed (OSVČ): income is documented for the last tax period, and the business must have run for at least 6 months in it. Foreigners: the bank also lends to foreigners and gives details at its branches; income from abroad can be documented with the “income from abroad” form (Potvrzení o příjmu ze zahraničí) or with translated documents. A cooperative flat that is not being transferred into personal ownership: a loan is possible if you secure it with another property in personal ownership.