New Price list for private individual effective from February 1, 2012
- Loan preparation
- Loan drawdown and extraordinary instalments
- Drawing and extraordinary instalments
- Loan administration
| Loan preparation | |||
|---|---|---|---|
| F.1. | Guaranteed interest rate for 30 days | free of charge | |
| F.2. | Risk and collateral value (real estate) analysis | ||
| F.2.1. | Housing unit – express appraisal of a flat | free of charge | |
| F.2.2. | Housing unit – based on client’s electronic documentation | CZK 1,900 | |
| F.2.3. | Housing unit, non-residential premises – standard appraisal | CZK 3,500 | |
| F.2.4. | Family house or building for individual recreation (inc. land) and individual land | CZK 4,500 | |
| F.2.5. | Other types of real estate | individually from CZK 5,000 | |
| A document proving the payment of the fee must be attached to the Lending Process Documents Application. The analysis is used for internal purposes only. | |||
| Loan drawdown and extraordinary instalments | |||
| F.3. | Mortgage loan preparation (inc. debt assumption) | 0.4 % of the loan provided | |
| min. CZK 4,000 | |||
| max. CZK 18,000 | |||
| The fee covers comprehensive assessment and scoring of the loan and preparation of the contractual documentation. The loan preparation fee is charged if the loan is approved. | |||
| F.4. | Bridging loan processing | CZK 2,000 | |
| The fee includes a comprehensive review and assessment of a bridging loan and preparation of contractual documentation. The loan processing fee is only charged if the loan is approved. | |||
| F.5. | Simplified refinancing | free of charge |
|
| A fee for mortgage loan processing and analysis of risks and collateral value are included. | |||
| F.6. | Establishing the certificate of ownership title and photo by remote access | free of charge |
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| When negotiating a loan (before signing a mortgage or bridging (pre-mortgage) loan agrement) | |||
| F.7. | Commitment to provide a mortgage loan | free of charge | |
F.8. |
Above standard advisory services | min. CZK 250 / 30 minut | |
| The fee is charged for each commenced half hour of consultancy beyond standard services. | |||
| Drawing and extraordinary instalments | |||
| F.9. | Drawdown | ||
| F.9.1. | The first to the third drawdown | free of charge | |
| F.9.2. | The fourth and any other drawdown | CZK 800 |
|
| If a loan is drawn by payment abroad concurrently fees according to Para. F.34 will be charged. | |||
| F.9.3. | Permission to draw a mortgage loan based on a motion to register a lien in the Land Registry as stipulated in the mortgage loan agreement. |
CZK 1,500 | |
| The fee is not charged more than once and is payable concurrently with the fee under F.3. or F.19. | |||
| F.9.4 |
Express drawdown | CZK 2 000 |
|
| Release of funds the next day after the drawdown application is submitted if the contractual terms are fulfilled. The fee is payable on the day of drawing. | |||
| F.10. | Construction status report | ||
| F.10.1. | Express construction status report (based on the client’s electronic documents) | free of charge |
|
| F.10.2. | Preparation of a construction status report by an internal expert of the bank | CZK 1,200 | |
| The report is used only for internal purposes. The fee is payable within 10 days of submitting the Application to prepare documentation for the lending process - real estate evalution | |||
| F.11. | Reservation of funds for mortgage loans to be drawdown for more than 6 months | 0.5% .a. of the unused loan amount | |
| The fee is paid at the end of the calendar month after 6 months from the date of the mortgage loan agreement (if a mortgage loan is combined with a bridging (pre-mortgage) loan, it is not paid sooner than the next month after the mortgage loan started to be drawn). | |||
| F.12. | Incomplete drawdown of a mortgage loan and bridging (pre-mortgage) loan | ||
| F.12.1. | Incomplete drawdown of an agreed bridging (pre-mortgage) loan | free of charge | |
| F.12.2. | Incomplete drawdown exceeding 20% of the agreed mortgage loan or an amount above CZK 1 million | 5% of the unused loan amount | |
| This fee is not applied for a Green Mortgage or a loan under which a SFRB loan pursuant to No. NV 616/2004 Coll. or NV 28/2006 Coll. is drawn, only if an unused amount is identical to the SFRB loan or subsidy from the Green Light to Savings Programme provided the respective SFRB loan or Green Mortgage is specified in the loan application | |||
| F.13. | Extraordinary instalment of a mortgage or a supplementary loan not stipulated in the loan agreement | 5% of the extraordinary instalment for each commenced year before the expiry of the interest rate or fixed deviation, max. 25 % of the agreed extraordinary instalment |
|
| The fee does not apply to bridging loans for co-operative housing; it applies to Bridging Loan Agreements concluded by December 31, 2010. | |||
| F.14. | Extraordinary loan instalment paid when the interest rate is changed according to the loan agreement | free of charge | |
| F.15. | Extraordinary loan instalment stipulated in the loan agreement | 1% of the agreed extraordinary loan instalment | |
| The total amount of agreed extraordinary instalments must not exceed 50% of the agreed amount of the mortgage loan. The fee is due concurrently with the fee for mortgage loan preparation or a charge for changing the contractual terms and conditions. It does not apply to the American Mortgage and products under which extraordinary instalments are part of the product (e.g. combined products). | |||
| F.16. | Extraordinary instalment of a Green Mortgage not exceeding the subsidy from the Green Light to Savings Programme (if such an instalment is agreed and the contractual terms and conditions are fulfilled) | free of charge |
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| Loan administration | |||
| F.17. | Establishing a certificate of ownership title by remote access | 100 Kč per page | |
| The fee is charged as a single amount | |||
| F.18. | Changing the contractual terms and conditions as required by the client | ||
| F.18.1. | Changing the subject of the collateral as a supplement to the agreement | min. 4 000 Kč* |
|
| F.18.2. | Bridging (pre-mortgage) loan maturity extension | min. 5 000 Kč* | |
| F.18.3. | Other changes made by a supplement to the agreement | min. 2 000 Kč* | |
| * - Maximum amount of the fee CZK 10,000 | |||
| F.18.4. | Switching to direct debit method of loan payment on the date of interest rate changes | free of charge | |
| F.18.5. | A change by notification to the bank | 300 Kč | |
| The fee applies for each change in the contractual document made by a supplement to the agreement or notice of the bank | |||
| F.19. | Issuing a statement on the conditions for waiver of a lien or waiver of a lien by a written statement | 1 000 Kč |
|
| The fee is payable at the end of the month in which the statement was sent. The fee is not applicable when a statement is issued on the initiative of the bank. | |||
| F.20. | Sending a bank notification when a change in interest loan conditions is made | free of charge | |
| F.21. | Re-assessment of the borrower´s financial situation (on the client's request for changing a product / service) | 2 000 Kč |
|
| F.22. | Loan management and administration | ||
| F.22.1. | Loan management and administration | 150 Kč/month | |
| The fee is collected for each started month from the date of the loan agreement until the full repayment of the principal. It is always payable on the last day of the calendar month. | |||
| F.22.2. | Mortgage loan maintenance and administration if the loan is financially supported by the state, or secured or subsidised by a partial interest payment by ČMZRB, a.s. | 220 Kč/month | |
| The fee applies to loans for which state financial support is granted under Government Decree No. 244/1995 Coll. or a contribution to young people according to Government Decree No. 249/2002 Coll. higher than 0%. It is collected monthly from the month in which the agreement on support is delivered to the bank. It is always payable on the last day of the respective calendar month | |||
| F.23. | Priority payment | 200 Kč per item | |
| F.24. | Transaction on a current account | 5 Kč |
|
| The fee is always payable on the last day of the calendar month | |||
| F.25. | Sending an account statement | ||
| F.25.1. | Sending an account statement by email | free of charge | |
| F.25.2. | Sending an account statement by post - Czech Republic | 20 Kč |
|
| F.25.3. | Sending an account statement - abroad | 30 Kč |
|
| F.26. | Request to pay a due amount or other obligations | 100 Kč (inc.. 20% VAT) | |
| The fee is always payable as of January 1 of the following calendar year | |||
| F.27. | Change in loan insurance option from a higher to a lower version | 200 Kč | |
| F.28. | Debt notice - to pay a due or other obligations | ||
| F.28.1. |
Informative SMS of insufficient funds in the account for loan repayment | free of charge |
|
| F.28.2. | The first and second notice | 500 Kč | |
| F.28.3. |
The third and any other notice | 1 000 Kč |
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| The fee is payable on the last day of the month in which the notice is sent | |||
| F.29. | Penalty interest | ||
| F.29.1. | Penalty interest on overdue loan principal | Repo rate* + 7 % p. a. |
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| F.29.2. | Penalty interest on overdue interest, fees, contractual penalties and charges | Repo rate* + 7 % p. a. |
|
| * The amount of the repo rate set by the Czech National Bank for the last day of the calendar half-year preceding the calendar half-year in which the delay occurs | |||
| F.29.3. | Penalty interest on an overdue loan principal | 15 % p. a. ** |
|
| F.29.4 | Penalty interest on overdue interest, fees, contractual penalties and charges | at the rate stipulated in the loan agreement increased by 15% p. a.** | |
| ** Valid for a mortgage or bridging (pre-mortgage) loan agreement concluded by December 31, 2010 | |||
| F.30. | Issuing bank information about the client or personal data recorded aboout a private individual by the bank | 1 000 Kč (inc. 20 % VAT) | |
| The fee is payable before the document is issued. | |||
| F.31. | Issuing a certified copy of the document | 20 Kč per page, min. 100 Kč + real cost of certification | |
| F.32. | Other activities (photocopy of a document, account statement, etc.). | 400 Kč / act | |
| F.33. | Non-documentary payments abroad in CZK or a foreign currency and in the CR in a foreign currency | ||
| F.33.1. | Payments by debiting a client's account at Hypoteční Banka (the price is included in telecom expenses) | 1 % of the transferred amount | |
| min. 250 Kč |
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| max. 1 800 Kč |
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| F.33.2. | Changes, corrections, cancelation of a payment order before execution on the request of the client, or return of a payment order not processed | 100 Kč |
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| F.33.3. | Claim of a foreign bank due to incomplete or unclear client´s instructions (the fee is increased by any expenses of foreign banks) | 600 Kč |
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| F.33.4. | Changes, corrections, cancelation of a payment order after execution on the client´s request (the fee is increased by any expenses of foreign banks) | 600 Kč |
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| F.33.5. | Claim of a payment executed on the client´s request (the fee is increased by any expenses of foreign banks) | 600 Kč |
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| F.33.6. | Confirmation of payment | 300 Kč |
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| Non-documentary payments are made from current client accounts for loan drawdownand only in connection with drawing the loan. Fees associated with non-documentary payments are collected from the client´s current mortgage accounts or current accounts established at CSOB; they are charged for each item debited from the client´s current account for loan drawdown. Fees are payable on the day of loan drawing. For non-documentary payments indicated OUR (all fees are paid by the payer) additional fees of intermediary banks are collected from the client. The recipient does not pay any fees and will receive the full amount of the transfer. For non-documentary payments indicated SHA (bank fees paid by the payer, other fees paid by the recipient). The client pays Hypoteční banka´s fees, the recipient pays the fees of his bank and will receive the transferred amount minus any other fees of intermediary banks. For non-documentary payments indicated BEN (all fees paid by the recipient), the client does not pay any fees; the recipient pays the fees of his bank and will receive the transferred amount minus the fees of Hypoteční banka and any other fees of intermediary banks. Payments indicated BEN / SHA to pay amounts lower than the acceptable minimum set by intermediary banks additional amounts from the client (the payer) can be collected for the additional fees of intermediary banks.The client (payer) can be charged the additional fees of intermediary banks because of manual intervention in the payment process or because of incorrect instructions given. |
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