ČSOB mortgage: calculate the repayment
ČSOB gives a free property valuation and offers three discounts off the borrowing rate at once. For loans up to CZK 2,000,000, by contrast, it adds a surcharge that does not show at first glance in the calculator. And Hypoteční banka is not a competitor of ČSOB; it provides the same loan.
Calculate the repayment
The calculator uses our indicative rate, not ČSOB's rate. The bank confirms the actual offer based on your creditworthiness and LTV. The result also shows the APRC, the total cost of the loan as a percentage, and the length of the fixed-rate period for which the bank holds the rate for you. The comparison with other banks is 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.
Why is a mortgage under CZK 2,000,000 more expensive?
ČSOB adds 0.2 percentage points to these loans. The bank states this itself, but only in a note under the calculator, so the result above it looks more optimistic for small loans than it actually is.
There is a logic to it: the cost of processing a mortgage is nearly the same whether it is for one million or five. The practical point for you: compare banks more carefully for a small mortgage, because that is exactly where surcharges and fees show up the most.
ČSOB writes under its calculator, verbatim: "The calculations are indicative only and for loans up to CZK 2,000,000 do not include the 0.2 percentage point increase to the borrowing rate." Checked 21. September 2026.
What discounts can you get?
Three, and they can be combined. All of them come with conditions, so it is worth knowing what the bank asks for in return.
- 0.5% off the borrowing rate for an active account. You must repay the mortgage from an account that receives at least CZK 15,000 a month and make five card payments a month.
- 0.2% p.a. for energy-efficient housing. For properties with an energy label A or B. The bank's own calculator already includes this discount.
- Up to 30% off property insurance with an insurer from the group.
According to the bank, the rate shown in the calculator only applies if you actively use an account with ČSOB or Poštovní spořitelna, the property has an energy label A or B, and you hold life insurance with ČSOB Pojišťovna. In other words: the figure you see is the best possible case, not the default.
Is Hypoteční banka the same as ČSOB?
For the mortgage itself, in practice yes. ČSOB signs the contract with you, but the loan is provided by ČSOB Hypoteční banka from the same group.
ČSOB acts here as an independent intermediary acting in the name of the provider. In practice that means there is no point comparing "ČSOB's offer" and "Hypoteční banka's offer" as two different things, because it is the same product. Hypoteční banka used to be a separate brand, and some people still search for it under that name.
ČSOB's website states: "Contracts for the ČSOB Mortgage are concluded by Československá obchodní banka, a. s., as an independent intermediary acting solely in the name of the provider ČSOB Hypoteční banka, a.s., a member of the ČSOB Financial Group."
How much does the property valuation cost?
Nothing. ČSOB makes this one of its main selling points; its product page is even named after it.
For a flat or a house in a town of over ten thousand people, the bank can value it online, so no surveyor comes out at all. In other cases a technician or a contracted valuer comes, still free of charge. How prices differ among other banks is covered on our Property valuation page.
What else can ČSOB do
- Reduce repayments by up to 30% after the first six months of regular repayment, and this can be used repeatedly.
- A mortgage without a chosen property, with nine months to find one.
- Financing a mobile home even without a building registration number.
- Assessing the application usually within five working days of submitting all documents.
The one limit ČSOB does not change is LTV. At most 80% of the pledged property's value, or 90% for your own home if you are under 36. This 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 CNB caps at no more than 5% of the previous quarter's mortgage volume. It is a quota, not an entitlement.
Frequently asked questions
Do I need an account with ČSOB for the mortgage?
You do not, but without one you lose the discount for an active account. The condition is to repay the mortgage from an account that receives at least CZK 15,000 a month and to make five card payments a month. Work out whether switching your main account is worth it.
Does the energy label discount apply to an older house after renovation?
The energy label decides, not the age of the house. If renovation gets the house to label A or B and you have this documented with an energy performance certificate, you can apply for the discount. For a renovation mortgage this is assessed based on the condition after the work is finished.
Why does the calculator show a different rate than the one I end up getting?
Because the calculator’s result assumes the discount conditions are met and, for loans up to CZK 2,000,000, does not include the 0.2 percentage point surcharge. It is an indicative figure. The bank sets the final rate after assessing your application.
Do you arrange a ČSOB mortgage?
Yes, our adviser will arrange a mortgage with ČSOB for you. They will compare it with the other banks they work with and tell you which bank suits your situation best. It costs you nothing; the bank pays the adviser’s fee.
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.