Loan for energy-efficient housing
An unsecured household loan for solar power, heat pumps and energy-saving improvements to your own home.
Denne finansieringsmuligheten er foreløpig beskrevet på engelsk.
You can borrow up to CZK 2,500,000 for up to 12 years. ČSOB advertises a fixed annual interest rate of 5.99%; your actual loan terms are set in the pre-contract information and agreement. You repay the borrowed money and interest in monthly instalments, with applicable fees specified in your agreement.
At least 51% of the agreed loan must pay for qualifying energy-saving technology. The rest can cover other housing purposes in the bank’s financing annex. A portion may be spent freely without proof of purpose, but this is limited to 20% of the loan and at most CZK 150,000.
Qualifying technology includes photovoltaic systems that store surplus power in hot water or a physical or virtual battery; heat pumps; and insulation materials for family homes, including external walls, roofs, ceilings below unheated spaces or inhabited attics, and floors on the ground or above unheated spaces. Replacement windows and entrance doors qualify, as does external shading that reduces indoor heat load.
You can also finance biomass boilers; green roofs on family houses or other above-ground buildings you own; ventilation that recovers heat; new hot-water systems using solar panels or heat pumps; non-public chargers for a personal electric car and equipment needed to operate them; and wastewater heat recovery. Rainwater or wastewater storage tanks qualify for garden watering or, after wastewater treatment, use as non-drinking water.
The template provides for a single payout to the agreed account after signing, receipt of agreed documents and satisfaction of the bank’s lending conditions. Repayments are collected from the account specified in your agreement. Keep enough money there for each due date; when it falls on a non-working day, fund the account by the end of the preceding working day. You may repay part or all early for free: notify ČSOB in advance and have enough money in the account on the agreed repayment date.
Eligibility
- The loan is for individuals with full legal capacity and private, non-business purposes for their own housing. ČSOB assesses your ability to repay and may request evidence of income and expenses. Approval is not automatic.
- Properties subject to enforcement proceedings cannot be financed. You must disclose your financial obligations honestly and have no overdue debts that would impair repayment. The money cannot buy coal for heating or coal-based heating equipment that increases installed coal-heating capacity.
- If married or in a partnership, the template requires you to inform your spouse or partner and obtain their consent.
- Supply purpose documents when requested, within 12 months of signing. Without the required proof, the template treats the loan as non-purpose borrowing and provides for a different contractual rate from month 13. The unrestricted portion remains subject to both the 20% and CZK 150,000 limits.
- For energy-saving technology, accepted proof includes a purchase contract, work contract or invoice identifying the technology, or a funding decision from the Czech State Environmental Fund’s Nová zelená úsporám programme under the National Recovery Plan. Documents must meet the annex’s requirements: copies of originals meeting tax-document requirements, issued by an authorised business, normally in Czech under Czech law; foreign documents require agreement with ČSOB. Advance invoices, future-contract agreements and reservation agreements are not accepted. Issue and due dates must be no earlier than 12 months before signing, and each purpose item on a receipt or tax document must be at least CZK 500.
- Documents addressed to a person must name a borrower. For construction, reconstruction or modernisation of jointly owned marital/partnership property, invoices may instead name the spouse or partner if the borrower adds the required written declaration.
- The annex also allows property in Slovakia for purchase, construction, building alterations, connection to public networks and purchase of a property component, only if the borrower is a Czech citizen and owns the property.
How to apply
- Status
- Løpende søknader
- Vilkår for søknadsrunden
- Subject to the bank’s credit assessment.
Call ČSOB on 495 300 300 to discuss the Půjčka na úsporné bydlení, or request a bank appointment through its public appointment page. The bank normally requests proof of income and identity documents; foreign nationals can present a passport or residence permit with a second identity document. The bank’s assessment determines your offer. Submit all purpose documents together when requested, quoting your name and loan-agreement number; they can be emailed to dolozenipujcky@csob.cz.