Upside-down Mortgage, 30-day interest rate guarantee.

  • Finance your housing with us

Use your Genius Active or Genius Gold account and reduce your monthly installment on your new mortgage, or at the time of the roll-over of 0.5 % on your interest rate.

Advantages of Our Mortgage

  • We will loan you up to 80 % of the market price of your property, for 5 to 30 years
  • HypoExpres – we will approve your mortgage amount within 3 hours
  • Extraordinary repayment during the fixed term without any sanctions
  • Upside-down Mortgage – we will approve your mortgage before you get your real property
  • We will reimburse your investments into the property, going back up to 3 years
  • You no longer need to present invoices when drawing a loan for renovation or construction – we will send the money directly to your account
  • 30-day interest rate guarantee – the rate is the same for new and existing clients

Mortgage Refinancing

At MONETA Money Bank, you can get more competitive monthly installments on your mortgage. Simply transfer your mortgage to MONETA.

Do you already have a property and need money?

Do you need money for anything and own a property? We can offer you a Home Equity Loan or a Supplementary Loan.

Live in Your Own Place

MONETA Money Bank mortgages are designed for financing, or investing into, real properties designated for housing purposes.

Mortgages can be used for:

  • Purchasing an apartment (even co-op owned), a family house, a summer home or cottage, or a building lot
  • Renovation, construction, or additions – when you draw a loan, you do not need to present us with invoices; we will send the money directly to your account
  • Settlement of a co-ownership share in a real property (joint marital property, inheritance, etc.)
  • Refinancing / paying down formerly provided housing loans
  • Reimbursement of investments into real property, going back up to 3 years
  • A combination of the purposes listed above

Advantages of the Upside-down Mortgage

  • You have money in your pocket before choosing a property
  • The Bank gives you an irrevocable contractual promise to provide you a mortgage, subject to the agreed contractual conditions
  • You get up to 6 months to find housing that will suit your needs, or to prepare renovations
  • You only document your income once, at the beginning

Advantages of HypoExpress

  • Fast processing, merely on the basis of your income
  • Executed at branch (a mortgage banker need not be present)
  • You do not need any document concerning the real property
  • Before we approve your HypoExpress, we do not burden you with any fees or any other costs, related for example to a property valuation, excerpt from the land registry, etc.
  • You have up to 6 months to select your property or to prepare the renovation of your property
  • If you already have a property selected, you will get a binding and irrevocable promise from the Bank, concerning the amount of the future mortgage
  • If you sign the mortgage agreement within one month, we guarantee you the interest rate applicable on the day you signed your HypoExpress agreement

Mortgage Applicants

A mortgage application can be submitted by a natural person of legal age/natural person who is a sole proprietor, or a foreigner with a permanent or temporary residence in the Czech Republic.

One mortgage application may be submitted by a maximum of four persons living in two households (example: you are applying for a mortgage, and your co-mortgagees are your wife, mother, and father).


A mortgage is a long-term loan secured with a pledge on the financed real property or another real property in the Czech Republic (apartment, family house, a summer home or cottage, including the lots associated with those buildings, auxiliary buildings, if they constitute a functional unit with the real properties listed above, e.g., garage).

The collateral may comprise several real properties combined, and if the purpose of the mortgage is construction, you can use the unfinished building as collateral.

Mortgage Amount

The collateral may comprise several real properties combined, and if the purpose of the mortgage is construction, you can use the unfinished building as collateral.

We will loan you a minimum of CZK 300,000 and a maximum of 80 % of the market price of your property. There is no upper limit set on how much a mortgage can amount to.

Mortgage Approval and Draw-Down

We will asses your application within 3 business days of the submission of your documents.

You can draw your mortgage down in a lump sum or over time, depending on the purpose of the loan; the draw-down must be commenced within 12 months and completed within 24 months of the signing of the mortgage agreement:

  • One-time draw-down
  • Gradual draw-down

Repayment Period and Interest Rate Guarantee

You will choose your mortgage repayment period yourself, from anywhere between 5 and 30 years. You must not be aged over 70 on the final mortgage repayment date.

You can lock the interest rate in, contractually, for 1, 3, 5, and 10 years.

Mortgage Repayment

Your mortgage is repaid by a regular direct debit from a current account with MONETA. You choose the payment day.

You only start repaying your mortgage once you have fully drawn the mortgage down or once the Bank receives a written request from you to stop the draw-down. Until then, you pay interest to the Bank on the actually drawn amount. The monthly installment amount is annuity-based and includes both the principal and interest.

Advantageous Insurance

We have also prepared advantageous real property insurance with our mortgages, as well as insurance of your ability to repay.

Property insurance is provided by our contractual partner Generali Pojišťovna a.s.

The insurance of your ability to repay the mortgage in the event of unexpected events in your life, e.g., work disability or loss of employment, is provided by our contractual partner POJIŠŤOVNA CARDIF PRO VITA, a.s.

Furthermore, you will get a discount on your mortgage interest rate if you take out this insurance.

Apply for Mortgage

Leave us your contact information and our telephone banker will call you back at no cost to you and help you. Or you can find and contact our Personal Mortgage Bankers.

Before You Visit MONETA

Before you contact us, please have answers prepared to the following questions:

  • For what do I wish to use the mortgage?
  • What do I wish to finance with the mortgage?
  • How high is the expected investment into the property?
  • What mortgage amount do I want?
  • Who will be making the mortgage application?

Meeting with a Mortgage Banker

Mortgage is negotiated in person, with a mortgage banker:

  1. Request a call from us
    • Our mortgage banker will call you back at no charge and agree on a date for a personal meeting.
  2. Selection of the appropriate product
    • At the meeting, you will find out how much we will loan you and subject to what conditions
    • Bring with you proof of your income (need not be confirmed), on the basis of which the mortgage banker will asses your credit-worthiness and evaluate your situation; together, you will choose the product that is most suitable for you
    • Subsequently, you can enter into a contractual relationship with the vendor (agreement on a future purchase agreement, contract for work, etc.) and order a property valuation together with the mortgage banker
  3. Completing a mortgage application
    • At your meeting, you will submit all of the documents required for the approval of the mortgage, on which you agreed with the mortgage banker
    • The mortgage banker will check whether the information you are documenting is in order and will give you a confirmation of the receipt of the documents
  4. Signing the contractual documentation
    • Following the approval of the loan, your mortgage banker will go through the draft contractual documentation with you and you can sign your mortgage agreement
    • You will also agree on the steps to take in drawing down the mortgage
  5. Mortgage draw-down
    • Your mortgage banker will help you prepare the documents required to draw your mortgage in line with the conditions of your mortgage agreement, and you will send them for disbursement together

Contact Us

  • Book a Branch Visit

    Book a visit at a nearest
    MONETA Money Bank branch.


Current Accounts

With our accounts, you can save
significantly on banking fees. Just
choose the right account for you.


Direct Banking

A perfect overview of your income
and expenditures anytime,


ATM Services

Bank machines for withdrawing cash
also offer many valuable services
that make your life easier.


Payment Services

Just put your worries behind you!
Choose form our extensive offering
of payment services.