Fio Mortgage

Dig your way to your own home
with a mortgage that rewards you
for making repayments.

Calculate Your Mortgage

Mortgage rates from 4.58%

Borrow from as little as
CZK 1.5 million.

Get an extra reward

Take advantage of attractive rewards based on your loan amount.

Save on interest

A Mortgage Savings Account reduces
your interest rate and monthly mortgage payments.

The interest rates apply to mortgages with a maximum loan-to-value (LTV) ratio of 80% and are subject to taking out Payment Protection Insurance. Interest rates for fixation periods other than 3 years are available in the Price List or through our Mortgage Calculator.

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How to save with our mortgage

• Current rewards / discounts
• Free in-house property valuation
• Mortgage Savings Account

Current rewards / discounts

• If you meet the programme conditions, we will pay you a reward based on the interest you have paid at the end of your fixation period.

* The reward does not apply to mortgages with a one-year fixation period, loans intended for construction, reconstruction or renovation, or loans with a maturity of less than 10 years.

If you continue repaying your mortgage with Fio banka after the end of the initial fixation period, you may become eligible for an even higher reward.

* The reward does not apply to mortgages with a one-year fixation period

Illustrative example:

Mr Smart took out a CZK 4,500,000 mortgage to purchase an apartment, with a repayment term of 30 years and a 3-year fixation period. His interest rate was 4.78% p.a.

Throughout the initial fixation period, he repaid his mortgage regularly and on time, made no extraordinary repayments, and met all the Mortgage Repayment Reward Programme conditions. During this period, he paid a total of CZK 630,510.67 in interest.

As his mortgage falls within the band eligible for a 4% reward on the interest paid, he will receive a reward of CZK 25,220.43 at the end of the initial fixation period.

This amount will be used as an extraordinary repayment of the mortgage principal, reducing the outstanding loan balance and, consequently, the regular monthly instalment.

Note: This example shows the reward for the initial fixation period only. The reward for the second and each subsequent fixation period cannot be determined reliably when the mortgage is arranged, as it depends, among other things, on the outstanding mortgage balance at the beginning of the relevant fixation period and the actual amount of interest paid during that period. Therefore, the exact reward amount will always be calculated before the start of each new fixation period and communicated to the client via Internet Banking.

• Information about the Mortgage Repayment Reward Programme
• 0.2% interest rate discount for Payment Protection Insurance

In-house property valuation

Subject to certain conditions, we can carry out the property valuation ourselves free of charge, helping you save the cost of an external valuation. Find out what conditions need to be met.

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Reduce your interest rate and pay less every month

Have you saved at least CZK 50,000? Put your savings to work by reducing your mortgage interest rate and monthly repayments. Your money remains available whenever you need it, while helping you save every month. The Mortgage Savings Account is completely free of charge.

See how much you can save with a Mortgage Savings Account in our illustrative example.

Illustrative example: Mortgage of CZK 3 million, repayment term of 30 years, standard monthly repayment without a Mortgage Savings Account: CZK 14,987.

New clients can take advantage of our Mortgage Savings Account, which allows you to reduce up to 75% of your mortgage interest by maintaining a balance equal to the outstanding principal.

Take a look at our illustrative examples to see how you can save with a Mortgage Savings Account.

Calculate your interest rate and monthly mortgage repayment

Calculate Your Mortgage

Are you interested in our mortgage, would you like more information, or would you like to apply for a home loan right away? Contact our mortgage specialists by phone or email. They will be happy to advise you and help you with everything. Or arrange a meeting with them.

If you are unable to contact our mortgage specialist, please fill out the mortgage calculator and leave us your contact details. A mortgage specialist will contact you as soon as possible. 

Are you from a different city than where our mortgage specialists are based? They will be happy to provide you with all the information you need by phone or email, and you can then bring the necessary documents to our nearest branch.