As of 29 October 2026, the lowest rate in the Raiffeisenbank mortgage calculator is 5.69 % for a 5-year fixation (fixed-rate period, fixace) at LTV up to 80 %. 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. Against the average offer in the Swiss Life Hypoindex (5.84 %, October 2026) that is −0.15 pp, and by published rate for a 5-year fixation the bank ranks number 5 of 10 banks in the table.
Rates by fixation period
| Fixation | Rate from, LTV up to 80 % | LTV 80 to 90 % | Payment | Difference to the lowest rate |
|---|---|---|---|---|
| 1-year | 5.09 % | 5.29 % | CZK 20,645 | +0.40 pp |
| 2-year | 5.49 % | 5.69 % | CZK 21,472 | +0.71 pp |
| 3-year | 5.54 % | 5.74 % | CZK 21,577 | +0.76 pp |
| 4-year | 5.59 % | 5.79 % | CZK 21,682 | +0.10 pp |
| 5-year | 5.69 % | 5.89 % | CZK 21,892 | +0.81 pp |
| 6-year | 5.89 % | 6.09 % | CZK 22,316 | |
| 7-year | 5.89 % | 6.09 % | CZK 22,316 | +0.50 pp |
| 10-year | 6.29 % | 6.49 % | CZK 23,175 | +0.70 pp |
| 15-year | 6.29 % | 6.49 % | CZK 23,175 | +0.10 pp |
Rate discounts
| Condition | Discount |
|---|---|
| account with the bank | −0.50 pp |
| property insurance with the bank's partner | −0.10 pp |
| payment protection insurance | −0.30 pp |
| energy-efficient property | −0.10 pp |
The bank’s calculator shows the rate with the account and insurance discounts already applied, and the energy certificate discount is deducted on top. The size of the discounts comes from the bank’s methodology for advisers; the bank does not publish a rate without discounts.
The bank's representative example
A loan of CZK 4,000,000 over 30 years, 5-year fixation, rate 5.69 %, APRC 6.80 %, monthly payment CZK 23,191, total amount payable CZK 9,221,389. source
What is the current Raiffeisenbank mortgage rate in Czechia?
According to the bank’s mortgage calculator, the lowest rate as of 29 October 2026 is 5.09 % for 1 year, 5.54 % for 3 years, 5.69 % for 5 years and 6.29 % for 10 years, in each case for LTV up to 80 %. Other fixations and the LTV band of 80 to 90 % are in the table above; for 5 years and LTV 80 to 90 % the rate is 5.89 %.
The bank’s rate sheet (úrokový lístek), valid from 17 October 2022, says that mortgage rates are set individually, and the bank does not publish a table of them. Specific rates are shown by its mortgage calculator, and the “from” rates advertised on the bank’s pages are time-limited campaigns. The calculator assumes a loan of CZK 2,000,000 or more; a smaller loan has a higher rate.
What does Raiffeisenbank require for its lowest rate?
The calculator rate applies to a loan of CZK 2,000,000 or more, up to LTV 80 %, and includes discounts for an active account and for insurance. According to the bank’s methodology for advisers, the discount for an account with the bank is 0.5 pp and for property insurance 0.1 pp, both for the first fixation, and for payment protection insurance 0.3 pp for as long as the insurance runs. A client who does not start using the account within three months of signing the contract has a rate at least 0.5 pp higher.
A further 0.1 pp discount for the energy performance certificate (PENB) is added on top, for purchase, construction and refinancing loans of this kind. The bank’s adviser rules tie it to class A or to consumption at least 10 % below the reference value.
How much will a Raiffeisenbank mortgage cost per month?
On a loan of CZK 3,500,000 over 25 years at 5.69 % (5-year fixation) the annuity payment is CZK 21,892. For your own amount and fixation use the mortgage calculator; the rate changes when the fixation ends.
As of 29 October 2026, the bank’s calculator works with a model loan of CZK 4,000,000 over 30 years with a 5-year fixation: rate 5.69 %, payment CZK 23,191, APRC (RPSN) 6.80 %. This is the result of the bank’s calculator, not our calculation, and the calculator rounds the APRC to tenths of a percent. According to the bank’s notes, the APRC also includes the valuation, drawdown, insurance premium and account maintenance, which is why it is higher than the rate and comes out differently for a different loan.
What fees does Raiffeisenbank charge?
According to the price list valid as of 29 October 2026, a loan with a fixed rate has these fees. Processing: free. Loan administration: free. Property valuation: CZK 5,900. Drawdown: CZK 1,900, each further drawdown CZK 800. A contract change at the client’s request costs CZK 4,900 (CZK 9,900 for individually worded changes and debt takeover), and reserving funds costs CZK 29,900, which is not charged if the client draws at least half of the limit.
Payment protection insurance, which comes with the 0.3 pp discount, costs 9.9 % of the instalment per month for insurance taken out from 21 February 2026.
How can I repay a Raiffeisenbank mortgage early?
The law allows repayment without a fee of the remainder at the end of the fixation and, once a year, of up to 25 % of the original loan amount 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.
For a fixed rate and a loan from 1 September 2024 the bank describes the same rules. Repayment within 3 months of notice of a new rate is also free, as is repayment on the sale of the property or the settlement of joint marital property (SJM) two years after signing. Otherwise the bank charges reasonably incurred costs: an administrative part of at most CZK 1,000 and the interest difference, always within the statutory cap. With a floating rate, repayment is free at any time. More on early repayment of a mortgage.
Can I get a Raiffeisenbank mortgage if I am under 36?
For applicants under 36 the bank has Klasik pro mladé (Klasik for young people) with LTV up to 90 %; everyone else is capped at 80 %, even though the bank’s website says “up to 90 %”. The age limit must be met by a single applicant, by at least one of the spouses, by both partners of an unmarried couple and by all of three or four applicants. The loan must serve the applicant’s own housing: purchase, construction or a settlement (vypořádání). Pure reconstruction and refinancing do not qualify.
The calculator does not ask for age and shows the rate for LTV 80 to 90 % in a separate column of the table: 5.89 % for 5 years. More in the article Mortgage for under-36s.
Does Raiffeisenbank give mortgages to foreigners and the self-employed?
For the self-employed (OSVČ) the bank counts income from the tax return. The business must have lasted at least 12 months without interruption and at least 6 months in the last tax year; flat-rate expenses are assessed separately.
A foreigner must have a correspondence address in Czechia. For EU citizens the bank wants a link to Czechia of at least a year (residence, an employment contract or proof of income); for citizens of non-EU countries it depends on the type of residence and on whether they are clients of the bank. If a foreigner is the main applicant, the bank lends at most 80 %; this cap does not apply to refinancing. For a main applicant from outside the EU it adds a surcharge to the rate, the size of which it does not publish.
What is Hypotéka naruby?
Hypotéka naruby (literally “inside out”) is a loan approved in advance, before the buyer has chosen a property. According to the bank’s website it covers CZK 1 to 20 million with a term of up to 30 years, with 23 months to find a property and 24 months for drawdown. It can finance a flat, house, plot, weekend cottage or country cottage. The bank states no separate rate for it on the page.
Limits and fees
| Maximum LTV | 80 % |
|---|---|
| LTV under 36 | 90 % |
| Longest term | 30 years |
| Maximum age at the end of the loan | 70 years |
| Smallest loan | CZK 1,000,000 |
| Loan processing | free |
| Property valuation | CZK 5,900 |
| Loan account maintenance | free |
| Drawdown | CZK 1,900, each further drawdown CZK 800 |
Assessment of the application costs CZK 4,900 only for the Hypotéka Univerzál, the offset mortgage and the floating-rate mortgage. The contract may set further fees, and the contract governs.
What the bank offers
| Refinancing | yes Rates as for a housing mortgage; the bank lends up to CZK 20 million. |
|---|---|
| Green mortgage | yes Odpovědná hypotéka (responsible mortgage): 0.1 pp discount for an energy performance certificate (PENB). |
| American mortgage (equity loan) | yes Hypotéka Univerzál: LTV up to 70 %, up to CZK 12 million, term of 5 to 20 years. |
| Buy-to-let mortgage | yes Mortgage for rental property (Hypotéka na pronájem): LTV up to 70 %, CZK 1 to 20 million, term of 5 to 30 years. |
| Construction | yes The loan can be drawn in one sum or in stages. |
| Self-employed | yes Income from the tax return, business for at least 12 months. |
| Online application | yes Application through internet banking or the website; the contract can be signed electronically. |
| Offset mortgage | yes Savings offset only with the Klasik mortgage, fixation of 1 to 5 years, up to CZK 12 million. |
| Cooperative flat | with conditions The transfer of cooperative membership rights can be financed; the security may also be a property other than the one financed. The bank also has a separate cooperative housing loan (úvěr na družstevní bydlení) without a lien. |
| Foreigners | with conditions Address in Czechia and conditions depending on residence and income; where a foreigner is the main applicant, LTV is at most 80 % (not for refinancing). |
Banks with a similar rate
| Bank | Rate from | Rate conditions and fees |
|---|---|---|
| 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). |
| 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 |
| Partners Banka | 5.79 % | LTV up to 80 %, with an energy performance certificate (PENB) and an active account (5 card payments and income of CZK 20,000 a month) |
Rate history
Sources
- Mortgage calculator and representative example: www.rb.cz/osobni/hypoteky/hypotecni-kalkulacka · Checked 29 October 2026
- Price list of products and services, Mortgages section (from 1 May 2026): www.rb.cz/attachments/ceniky/cenik-pi-1.pdf · Checked 14 October 2026
- Early mortgage repayment: www.rb.cz/osobni/hypoteky/sprava-hypoteky/predcasna-splatka-hypoteky · Checked 14 October 2026
- Responsible mortgage, discount for an energy performance certificate: www.rb.cz/osobni/hypoteky/nabidka-hypotek/odpovedna-hypoteka · Checked 14 October 2026
- General information on mortgage loans, rate discounts (bank methodology, version 260622): poradci.rb.cz/attachments/hypotecni-uvery/metodika/ostatni-metodika/rb-obecne-in · Checked 14 October 2026
- Klasik mortgage, rules and limits (bank methodology, version 260821): poradci.rb.cz/attachments/hypotecni-uvery/metodika/typy-uveru/rb-hu-klasik.pdf · Checked 14 October 2026
- Applicants and co-applicants, age and foreigners (bank methodology, version 260814): poradci.rb.cz/attachments/hypotecni-uvery/metodika/ostatni-metodika/rb-zadatele- · Checked 14 October 2026
All banks in the comparison
Frequently asked questions
Where does Raiffeisenbank publish mortgage rates?
The bank does not publish a rate table; specific rates are shown by its mortgage calculator, and the “from” rates advertised on the bank’s pages are time-limited campaigns. We copy the lowest rate for each fixation from the calculator, and the figure carries the date of the check.
Is the rate from the calculator binding?
The bank guarantees the rate calculated in the calculator free of charge for 30 days, provided the client submits a complete application with all documents within that period; the contract must then be signed within 14 days of receiving the documents. The bank sets your specific rate after assessing the application and according to the conditions met.
How much does the bank lend, and for how long?
According to the bank’s pages, Klasik runs from CZK 1,000,000 to CZK 20,000,000 with a term of 5 to 30 years; the bank’s methodology for advisers gives up to CZK 30 million per client. The oldest applicant may be at most 70 years old in the year of maturity.
Can I get a Raiffeisenbank mortgage without buying a property?
A loan that can be used for anything is offered by the bank as the Hypotéka Univerzál, an American mortgage. It is also secured by a lien on a property.