Air Bank mortgage: terms and how to apply
Air Bank lends only in Czech koruna, up to 80% of the property's value, and only accepts applications directly. We have set out what it publishes about its terms and where the catches are that you would otherwise find out about later.
We cannot arrange an Air Bank mortgage for you, and we do not act as an intermediary for it. That is not our choice: Air Bank does not distribute its mortgages through advisers or comparison sites, and only accepts applications made directly.
So this page will not arrange an Air Bank mortgage for you. It summarises what the bank itself publishes, and at the end you will find how to check whether its offer is good for you.
What are Air Bank's terms?
The figures below come from Air Bank's own website, not from our estimate. They are the product's limits, not a promise. What you are offered depends on the assessment of your application.
LTV is the share of the loan amount against the value of the property you put up as security. The cap of 80%, or 90% for people under 36, is not Air Bank's decision. It is set by the Czech National Bank and applies equally to every bank. A bank may exceed the limit only within an exception that the Czech National Bank caps at no more than 5% of the previous quarter's mortgage volume. It is a quota, not an entitlement.
| Parameter | Air Bank |
|---|---|
| Loan amount | CZK 500,000 to 30,000,000 |
| Share of the property's value (LTV) | usually up to 80%, up to 90% for your own home if you are under 36 |
| Term | 1 to 30 years |
| Currency | Czech koruna only |
| Extra money for housing | up to CZK 1,500,000 without proof of purpose |
| Gradual drawdown | only with a fixed-rate period of 5 years or longer |
Source: Air Bank, Basic mortgage features ↗, checked 20. 9. 2026. We deliberately do not state the borrowing rate here; it changes and we do not have it first-hand. You will find the current rate on the bank's website.
How do you apply for an Air Bank mortgage?
You fill in the application in internet banking, in the mobile app, or at a branch with an assistant. The bank's mortgage expert then calls you and guides you through the rest.
You need an Air Bank account to apply. If you do not have one, you have to open it first. The bank presents this as a minor step, but it is an extra step worth planning for.
You cannot apply through a financial adviser or a comparison site. Air Bank does not distribute its mortgages externally, so you cannot apply for one through us or anywhere else.
What does early repayment cost at Air Bank?
Nothing so far, for any reason. Air Bank charges neither administrative costs nor so-called effectively incurred costs, even though its contract describes having them.
This is the bank's own decision, not an obligation, so you are not entitled to it and it can change. Air Bank itself adds that if it ever started charging, it would only want to do so during the fixed-rate period when switching to another bank, not at the end of it.
Since September 2024, other banks may only charge what early repayment actually cost them, and even that is capped from above by several limits at once. We cover this under the entry Fixed-rate period.
Air Bank states: "Even after 1 September 2024, Air Bank continues to let you repay your mortgage early for any reason free of charge." Checked 20. September 2026.
What should you watch out for?
Koruna only. Air Bank provides its mortgage exclusively in Czech koruna. If your income is in euros, raise this with the bank before anything else.
Building work costs you a short fixed-rate period. For gradual drawdown, typically for building work or renovation, Air Bank only allows a fixed-rate period of 5 years or longer. A three-year period is not available with gradual drawdown.
The free valuation has a condition. Air Bank's website states that clients get a free property valuation in most cases. That phrase matters: for an unusual property, or where a desk valuation is not enough, you pay. Ask before you build your budget around it. How prices differ among other banks is covered on our page Property valuation.
You have to do the comparison yourself. Because the bank does not work with intermediaries, nobody puts its offer next to the others for you automatically. You have to request it yourself and compare it by hand.
How do you tell whether Air Bank's offer is good?
The only way is to put it next to the others. You request Air Bank's offer directly from the bank, and you can find out what the banks our adviser works with offer from us.
Our adviser most often arranges mortgages with these banks: Komerční banka, Česká spořitelna, ČSOB, Raiffeisenbank, UniCredit, Oberbank. Air Bank is not among them.
You can calculate the repayment right here, without giving your contact details. The calculator uses our indicative rate, not Air Bank's rate, so treat the results as a benchmark for comparison, not as the bank's offer.
Calculate the repayment, but not at Air Bank's rate
This is not Air Bank's calculator. It uses our indicative rate, based on the terms of the banks our adviser arranges mortgages with. Air Bank is not among them, so this will not calculate its repayment, and we are not pretending it does.
So what is it good for: you will see an approximate repayment, the total cost of credit as APRC, and whether you fit within LTV, the loan's share of the property's value. That holds regardless of the bank. Request Air Bank's offer directly from it and put it next to what the banks our adviser arranges offer; you can find out which these are on our mortgage comparison page.
An estimate based on income. The bank approves the exact amount after assessing your income, expenses and credit history. We will work it out with you for free. Maximum LTV 80% (90% for under-36s buying a home to live in).
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Representative example
Representative example: loan of CZK 4,000,000 over 360 months, fixed borrowing rate 4.99% p.a., APRC 5.11%, monthly payment CZK 21,448, total amount payable CZK 7,721,433; secured by a charge over the property. Intermediary: Offgrid Labs s.r.o. (HypoGO brand), an independent consumer credit intermediary registered with the Czech National Bank (ČNB). An indicative calculation, not a loan offer; the bank sets the final terms.
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What happens next?
- We call you and ask a few questions. We can talk in English.
- We put you in touch with an adviser from your region. Only they get your contact details.
- You describe your situation and they find out what different banks would offer you.
Mortgage of CZK 4,000,000, fixed borrowing rate 4.99% a year, term 30 years (360 months), fixed-rate period 3 years. Monthly payment CZK 21,448, APRC 5.11%, total amount payable CZK 7,721,433.
Calculated with the rate valid on 1. 11. 2026. Your actual rate depends on your creditworthiness, the LTV and the market. A mortgage is a loan secured by a charge over the property, and failing to repay can lead to its sale. We will tell you the commission we receive from banks on request.
Frequently asked questions
Can I arrange an Air Bank mortgage through an adviser?
No. Air Bank does not distribute its mortgages externally and only accepts applications through its own internet banking, mobile app, or at a branch. This is not just about us: you cannot apply through any intermediary or comparison site.
Do I have to have an account with Air Bank?
Yes. The application is submitted from internet banking or the app, so you need an account. If you do not have one, the bank can open it online in a few minutes, but it is an extra step worth planning for.
How much will Air Bank lend me?
From CZK 500,000 to CZK 30,000,000, usually up to 80% of the pledged property’s value. If you are under 36 and buying your own home, up to 90%. That cap is set by the Czech National Bank and applies equally to every bank; it is not something specific to Air Bank. A bank may exceed the limit only within an exception that the Czech National Bank caps at no more than 5% of the previous quarter’s mortgage volume. It is a quota, not an entitlement.
Can I get an Air Bank mortgage in euros?
No, the bank provides it exclusively in Czech koruna. If your income is in another currency, that does not automatically mean refusal, but it is the first thing to discuss with the bank.
Why do you write about Air Bank if you do not offer it?
Because people search for its mortgage, and the fact that it cannot be arranged through an adviser is not easy to find anywhere. We would rather say so directly than have someone go through three comparison sites before finding out. You can find out what the banks our adviser works with offer from us.