Komerční banka mortgage: calculate the repayment
Komerční banka is one of the few to charge a processing fee, but it administers the loan for free and lets you repay up to a quarter extra each year. We have set out what it publishes, and what that advertised "up to 100%" actually means.
Calculate the repayment
The calculator uses our indicative rate, not Komerční banka'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.
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.
Does "up to 100%" mean the bank lends the full price of a flat?
No. Komerční banka means expenses related to housing, not the loan's share of the property's value.
How much a bank lends against security is set by the Czech National Bank: at most 80% of the property's value, or 90% for your own home if you are under 36. This 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.
This ratio is called LTV, the loan amount's share of the pledged property's value. It is the pair of figures people confuse most often.
For a flat worth 5 million, budget for one million of your own money, or half a million if you qualify for the exception for people under 36.
What are Komerční banka's terms?
The figures come from the bank's own website, not from our estimate. What you are offered is decided only after the application is assessed.
| Parameter | Komerční banka |
|---|---|
| Share of the property's value (LTV) | up to 80%, up to 90% for your own home if you are under 36 |
| Longest term | up to 30 years |
| Processing fee | CZK 4,900, including the risk assessment |
| Loan administration | free |
| Extra annual repayment | up to 25% of the amount provided, by law in the month before the contract's anniversary |
| Repayment at the end of the fixed-rate period | without compensation, 3 months from notice of the new rate |
Source: Komerční banka, Mortgage ↗, checked 20. 9. 2026. We do not state the borrowing rate here; it changes, and you only get a specific figure after your application is assessed.
Is a bank with a processing fee worth it?
It can be, and often is. The fee on its own says nothing; the whole package decides.
CZK 4,900 is a one-off amount. On a twenty-year mortgage, even a small difference in the rate outweighs it. A bank without a fee but with a higher rate can end up costing you more after just one year.
That is exactly what APRC is for. It is the annual percentage rate of charge and, unlike the borrowing rate, it includes fees, so you can use it to compare offers against each other.
The other thing worth noting at Komerční banka is the option to repay up to a quarter of the loan extra each year. If you have irregular income or bonuses, this can save more on interest than the difference in the fee.
How do we help with this?
Our adviser will arrange a mortgage with Komerční banka for you. The contract with the bank is theirs, not ours. They will also compare the offer with other banks for you.
You can calculate the repayment right here, without giving your contact details. You pay nothing; the bank pays the adviser. How much they receive, we will tell you on request.
Frequently asked questions
How much does Komerční banka charge for processing?
According to its website, CZK 4,900 for providing the loan, and according to its model example that amount includes the property valuation, so do not budget for it separately. Loan administration is free. Outside the bank, budget for Land Registry administrative fees: CZK 2,000 for registering the charge and another CZK 2,000 for removing it. Both are a fifth cheaper on the Land Registry portal’s electronic form.
Will Komerční banka lend me 100% of the property’s price?
No. The advertised “up to 100%” refers to expenses related to housing, not the loan’s share of the property’s value. That is set by the Czech National Bank at 80%, or 90% for your own home if you are under 36, and it applies equally to every bank.
Can I repay the mortgage faster?
Yes. The bank states that you can make an extra repayment of up to 25% of the loan amount provided each year. By law, everyone is entitled to a quarter, but only in the month before the contract’s anniversary; whether your bank allows it at other times is up to it, and you will find this in the contract. At the end of the fixed-rate period, you can also repay the whole mortgage without compensation.
How do you apply for a mortgage with Komerční banka?
The bank describes three steps: a branch meeting, assessment of the application, and signing the contract. If you go through us, the adviser handles collecting documents and communicating with the bank.
Will you arrange a Komerční banka mortgage for me?
Yes, our adviser will arrange it. They will also put it next to the offers of the other banks they work with, so you can see whether it is the best one for you. You pay nothing for this.