Raiffeisen stavební spořitelna (RSTS), a building savings bank, no longer offers Hyposplátka, its secured loan. As of 29 October 2026, the bank’s calculator shows a rate of 4.90 % on a 3-year fixation (fixed-rate period, fixace) and 5.10 % on a 5-year fixation for the Rekopůjčka, a loan without a lien on the property. Both apply to a loan from CZK 600,000 and assume loan insurance from UNIQA. The bank’s representative example has a rate of 5.85 % and an APRC (RPSN) of 6.27 %.
Rates by fixation period
| Fixation | Rate from | Payment | Difference to the lowest rate |
|---|---|---|---|
| 3-year | 4.90 % | CZK 16,361 | lowest |
| 5-year | 5.10 % | CZK 16,637 | lowest |
Rate discounts
| Condition | Discount |
|---|---|
| energy-efficient property | −0.30 pp |
| payment protection insurance | −0.30 pp |
| account with the bank | −0.10 pp |
For the Rekopůjčka the bank lists three discounts: 0.3 pp for energy-saving modifications, 0.3 pp for payment protection insurance and 0.1 pp for repaying from an account at Raiffeisenbank. According to the bank, the calculator rate applies with loan insurance from UNIQA (a discount of 0.3 pp). The bank does not publish whether the calculator also includes the remaining two discounts.
The bank's representative example
A loan of CZK 500,000 over 19.4 years, 3-year fixation, rate 5.85 %, APRC 6.27 %, monthly payment CZK 3,660, total amount payable CZK 851,795. source
How does a building savings loan differ from a mortgage?
A mortgage is a loan secured by a property. Since 1 April 2026, RSTS has not offered Hyposplátka, its secured loan. On its page RSTS says that it has replaced the product with a mortgage, and for anyone interested in a secured loan above CZK 2,500,000 it refers to the advisory points and mortgage centres of Raiffeisenbank. The Rekopůjčka and the Půjčka na družstevní bydlení (cooperative housing loan) are loans without a lien on a property.
A loan from building savings (úvěr ze stavebního spoření) and a bridging loan are separate products based on a building savings contract, and a loan from building savings also requires a saved part of the target amount, according to the chosen tariff. For the Rekopůjčka the bank states no building savings condition. The difference between building savings and a mortgage is summarised in the article Building savings and a mortgage.
What is the current rate of the RSTS Rekopůjčka?
According to the bank’s calculator, as of 29 October 2026 the rate of the Rekopůjčka is 4.90 % on a 3-year fixation and 5.10 % on a 5-year fixation, both with loan insurance from UNIQA. They apply to a loan from CZK 600,000; below that amount the calculator uses a higher rate. It offers a loan from CZK 50,000 with a term of 3 to 20 years. On its page the bank gives only the maximum: CZK 2,000,000 for an individual and CZK 2,500,000 for two applicants.
The Rekopůjčka page gives the rate only as “from”, with loan insurance from UNIQA, and the cooperative loan page adds an account at Raiffeisenbank to that. Only in the calculator does the bank give the rate by fixation, and as of 29 October 2026 it publishes no RSTS rate table. That is why we check the calculator rate regularly.
What does RSTS require for its lowest rate?
The bank lists three discounts on the interest rate: 0.3 pp for energy-saving modifications, 0.3 pp for payment protection insurance and 0.1 pp for repaying from an account at Raiffeisenbank. The loan insurance is arranged by UNIQA pojišťovna (the insurer), and the premium is included in the instalment. An account at Raiffeisenbank is not required. Whoever receives their salary on one does not have to document income, and consent to view the account is enough.
According to the bank, the calculator rate applies with loan insurance; the bank does not publish a rate without insurance. For the other discounts it does not say whether the calculator includes them. The representative example on the bank’s website uses a rate of 5.85 % on a 3-year fixation. Read the example rate and the calculator rate side by side; the bank does not explain the difference. What counts is the rate the bank states in the draft contract.
How much does an RSTS loan cost?
According to the price list valid as of 29 October 2026, concluding the loan agreement costs 1 % of the loan, at least CZK 1,000 and at most CZK 10,000. Administration of the loan account costs CZK 106 a quarter. Drawdown: the price list (sazebník) names no drawdown fee; for not drawing the loan after the contract is signed 1 % of the loan amount, at most CZK 10,000; charged on the undrawn amount monthly from the 3rd month following the month the contract was signed. A property valuation is not used for a loan without a lien.
The bank’s representative example uses a loan of CZK 500,000, a 3-year fixation, a rate of 5.85 % and a monthly payment of CZK 3,660. The APRC (RPSN) is 6.27 % and includes the fee for concluding the contract and the maintenance of the loan account. We do not take the APRC from the bank’s calculator; we give only the APRC from the representative example. For the payment on your own amount, the mortgage calculator gives a rough figure.
How does the Rekopůjčka calculator work?
The calculator is on the website rekopujcka.rb.cz. It belongs to the Raiffeisenbank environment, but the loan is provided by RSTS, and you conclude the contract with it. You enter the purpose (acquisition, modernisation, construction, refinancing or another housing purpose), the amount, a fixation of 3 or 5 years and the number of instalments, and the calculator returns the rate, the payment and the APRC (RPSN).
The rate depends on the amount and the fixation, not on the number of instalments: at the check as of 29 October 2026 it was the same for 3, 10 and 20 years. The calculator works with a loan from CZK 50,000 to CZK 2,000,000 and a term of 3 to 20 years, and from 5 years for a 5-year fixation. A loan above CZK 2,000,000 requires two applicants and a meeting at a Raiffeisenbank branch or with an RSTS adviser.
Does RSTS lend for a cooperative flat?
Yes, the bank has a Půjčka na družstevní bydlení (cooperative housing loan) of up to CZK 3,500,000 without a lien on a property and with a term of up to 25 years. It applies to new-builds and older flats (družstevní byt). The bank lends to pay a membership share or the purchase price of an older flat from the cooperative or a previous tenant, and the flat can be bought from an individual or a legal entity. You do not have to save in advance, and the whole application is electronic.
The bank makes the lowest rate conditional on loan insurance from UNIQA pojišťovna. The fee for concluding the contract is the same as for the Rekopůjčka: 1 % of the loan, at least CZK 1,000 and at most CZK 10,000. You can find the rate and the APRC of the example in the overview of financing a cooperative flat.
How can I repay the Rekopůjčka early?
For early repayment, including a partial one by an extra payment, the RSTS price list states administrative costs of CZK 200 and other reasonably incurred costs under the loan contract, if that payment is agreed in the contract. The price list refers to Act No. 257/2016 Coll. on consumer credit, and the resulting amount is set by the contract within the limits of the law.
How the statutory rules apply to your contract is shown by its text. They are summarised in general in the article Early mortgage repayment.
Does RSTS lend to the self-employed and foreigners?
For the self-employed (OSVČ), the bank accepts up to 65 % of turnover as net income and says it can do without unnecessary paperwork. You learn the exact list of documents when you apply or from an adviser.
A foreigner may need to visit a branch before signing the contract. The bank does not state further conditions on its website, for example the type of residence permit.
Limits and fees
| Longest term | 20 years |
|---|---|
| Smallest loan | CZK 50,000 |
| Loan processing | 1 % of the loan, at least CZK 1,000 and at most CZK 10,000 |
| Property valuation | not used for a loan without a pledge; the price list (sazebník) gives CZK 5,900 when the pledge is valued |
| Loan account maintenance | CZK 106 a quarter |
| Drawdown | the price list (sazebník) names no drawdown fee; for not drawing the loan after the contract is signed 1 % of the loan amount, at most CZK 10,000; charged on the undrawn amount monthly from the 3rd month following the month the contract was signed |
A property valuation costs CZK 5,900 according to the price list, but only when the pledged property is valued; it is not used for the Rekopůjčka. A change to the loan contract costs CZK 3,000.
What the bank offers
| Refinancing | yes The Rekopůjčka refinances building savings loans, mortgages and consumer loans that were used for housing. |
|---|---|
| Green mortgage | yes A 0.3 pp discount for energy-saving modifications; the interest-free loan applies only after an approved New Green Savings (Nová zelená úsporám) subsidy. |
| American mortgage (equity loan) | no The purpose must be housing; 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 Rekopůjčka. |
| Self-employed | yes The bank accepts up to 65 % of turnover as net income. |
| Online application | yes Online application; the contract can be signed with the RB key or through Bank iD. |
| Offset mortgage | not stated by the bank |
| Cooperative flat | yes A loan for cooperative housing up to CZK 3,500,000 and 25 years, without a lien on a property. |
| Foreigners | with conditions A foreigner may need to visit a branch before signing. |
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
- Rekopůjčka: conditions, discounts, fees, link to the calculator: www.rsts.cz/rekopujcka · Checked 29 October 2026
- Representative example of the Rekopůjčka: www.rsts.cz/priklad-kalkulace-rekopujcka · Checked 14 October 2026
- Půjčka na družstevní bydlení (cooperative housing loan): www.rsts.cz/pujcka-na-druzstevni-bydleni · Checked 14 October 2026
- Loan from building savings and bridging loan: www.rsts.cz/uver-ze-stavebniho-sporeni · Checked 14 October 2026
- Loan insurance and the rate discount: www.rsts.cz/pojisteni-uveru · Checked 14 October 2026
- Documents and price lists (price list no. 261 until 19 October 2026, no. 262 from 20 October 2026): www.rsts.cz/dokumenty/dokumenty-a-sazebniky · Checked 14 October 2026
- Hyposplátka: offer ended from 1 April 2026: www.rsts.cz/hyposplatka · Checked 14 October 2026
All banks in the comparison
Frequently asked questions
Does RSTS have a mortgage?
RSTS has not offered Hyposplátka, its secured loan, since 1 April 2026. On its page RSTS says that it has replaced the product with a mortgage, and for anyone interested in a secured loan above CZK 2,500,000 it refers to the advisory points and mortgage centres of Raiffeisenbank. The Rekopůjčka and the Půjčka na družstevní bydlení are not secured by a property.
How much can I borrow from RSTS without a lien on a property?
An individual can borrow at most CZK 2,000,000 and two applicants at most CZK 2,500,000. For cooperative housing the bank lends up to CZK 3,500,000.
Is the Rekopůjčka from RSTS or from Raiffeisenbank?
The loan is provided by RSTS, and you conclude the contract with it. It is also sold through Raiffeisenbank channels, and a client of the bank signs the contract with the RB key. You do not have to have an account at Raiffeisenbank.
Do I need building savings with RSTS?
For the Rekopůjčka the bank states no building savings condition. A loan from building savings and a bridging loan require a building savings contract.