Our offer

We offer four tariff alternatives and the possibility to choose from two combinations of interest rates! The building saving Wüstenrot will be adapted to your individual plans and possibilities. Regular monthly saving is not obligatory with us; you can save as you wish and what you can.

Choose the saving alternative which suits you best. Choose the moment of taking a loan or payment of your savings. If you decide to make use of a loan, determine the speed and the time of paying back the loan.

Choose the optimum alternative of saving …

Tariff alternative	Minimum saving in %of the target amount	Maximum amount of loan in % of the target amount	Monthly installment in % of the target amount
ON	50	50	0,5
OS	50	50	0,6
OF	40	60	0,7
OK	30	70	0,7

OS alternative: This alternative ensures the quickest granting of the target amount and also entitlement to a loan from building saving.

OF alternative: Intended for those who need a big loan under advantageous credit conditions (the most suitable for bridge loans).

ON alternative: Offers the lowest load on your family budget in paying back the loan. Have your plans changed and do you need to change the alternative? Do not worry, it is not a problem! During saving you can change the original alternative at any time and the conditions of your contract will be adapted as if you decided for the alternative at the very beginning.

Alternative OK: Is the alternative of saving with the lowest monthly deposit. It is suitable particularly for those who want to save for a long time and who need a big loan, or a long-term bridge loan.

...… and the best interest rate for you

Yearly interest from savings in %	Yearly interest from a building saving loan in %
2,2	4,9
1,0	3,7

Note to the interest calculation:

The saved amount bears the yearly interest agreed in the Building Saving Contract. In each tariff alternative the person who chose the interest rate from savings of 1.0% when concluding the contract can choose the interest rate of 2.2% p. a. in granting the target amount. The interest from savings will be converted from the beginning of the contract to the date of the change.

The building saving belongs to the most favourite and the most advantageous financial products in the market. What are the biggest advantages of the building saving:
Government support of up to CZK 3,000 a year, entitlement to a loan from the building saving with invariable low interest, exemption of yields from the building saving from income tax, possibility to use savings including the government support after meeting the statutory conditions for any purposes, increasing the value of deposits

Decide for the FINANCIAL ALTERNATIVE (OF).

You will get:

• More money for lower price,
• The highest possible loan (60% of the target amount),
• The lowest rate from the loan (3.7% p. a.).
  

Do you want to buy a flat?

Then the NORMAL ALTERNATIVE (ON) is ideal for you.

You will get:

• the lowest possible loan installments (0.5% of the target amount),
• loan of 50% of the target amount,
• the lowest rate from the loan (3.7% p. a.).
• The advantage of regular monthly financial load during the whole time of saving and paying back the loan.
  

You still do not know what you want? You may start building your own house, you may buy a flat one day, and maybe you will not need it.

Then the SPECIAL ALTERNATIVE (OS) is ideal for you.

You will get:

• The chance to make use of all the advantages of the building saving (in particular the government support).
• Loan of 50% of the target amount,
• Big increase of the value of your savings - 2.2 % p. a.
• Guarantee that when you need it, you can draw a convenient loan with low fixed interest.
  

Do you have a sudden chance to buy a flat at good price? Have you come to the conclusion that repair of your house is absolutely necessary?

Choose the SPECIAL ALTERNATIVE (OS),

Invest 50% of the target amount and apply for a bridge loan.

You will get:

• money immediately,
• loan of 50% of the target amount,
• advantageous interest rate within a bridge loan.
  

Do you need a place to live and you do not want to put too much pressure on your family budget?

Choose the tariff alternative OPTIMUM CREDIT (OK)

and choose one of the alternatives of the PARTNER bridge loan.

You will get:

• loan of 70% of the target amount
• low monthly installments and long time of payback
• money immediately
  

And what can you finance with our assistance?

• purchase of a flat,
• building, extension, reconstruction or improvement of your current housing,
• purchase of a building plot,
• reconstruction of non-residential premises to residential premises,
• former obligations related to your housing (e. g. former inconvenient loans)