American mortgages

An American mortgage is a special type of loan that provides you with unrestricted options in order to meet any of your financing needs. These mortgages are always secured with a lien on real estate.

American mortgages are also available for specific uses, such as financing the purchase of non-residential space associated with a residence (such as a garage, etc.), refinancing to recoup an investment or for other purposes related to investments in housing that cannot be financed with a standard mortgage product.

This product is specifically intended for individuals and sole proprietors over the age of 18 who are Czech or EU citizens with temporary or permanent address in the Czech Republic for at least 1 year.

Why choose an American mortgage?

• We offer the following at absolutely no charge: providing the loan, maintaining current and loan accounts, reserving funds and drawing the loan
• A special discount is offered on loans over CZK 1 million and a 0.4 % discount on mortgage refinancing
• There are no added charges when you purchase non-residential space related to housing (e.g. garage, etc.) or refinance to recoup invested funds
• You also can select additional service like the Mortgage saving account (for individuals with loans of more than CZK 1.88 million and for sole proprietors)
• Some types of non-residential property can be used as collateral
• Loan amounts are capped at 70 - 80 % of the value of the property (given by the type of collateral)
• More than 80 branches are available to you across the entire Czech Republic.
• Please find an overview of interest rates here (in Czech).
• Calculate your mortgage rates
• A representative example of American mortgages

How can you get an American mortgage?
You can find a reference calculation of annual fees on-line using our mortgage calculator and receive any other information you may need from any of our branches.

Overview of Fio banka's mortgage specialists

Want to set up a meeting or just have something to ask? Do not hesitate and contact any one of our mortgage specialists.
Are you from a different town or city than our mortgage specialists? Don't despair; you can contact any specialist from the list below. Specialists are ready and willing to communicate with you over the phone or via email. Then you can submit the necessary documents at the Fio banka branch that's closest to you. Branch staff members are trained specifically for this situation and are able to make rapid contact with the specialist you select.

Related documents:

• Request for American mortgage (Czech)
• Request - co-applicant (Czech)
• List of documents - Annex of request (Czech)
• Confirmation of employment income (Czech)
• Employment income verification (English)
• Bescheinigung über die Höhe des Arbeitseinkommens (DE)
• Sworn Statement of Earnings (Czech)