We use cookie files in order to personalize website content and advertising, provide social media and analyze traffic on our website. Information about how we you use our website we share with our partners active in social media, advertising and analyses. Show details

Consumer LoansFAIR Loan

Advantages for You

  • Best interest rate is guaranteed for the entire loan term
  • Unsecured loan for any purpose
  • Low rates – available immediately and under no conditions

Price Conditions

  • Annual percentage rate from 4.80% p.a
  • Free loan account opening, maintenance and early repayment
  • Refer to our List of Fees and Interest Rates for complete information about the pricing

Why choose a FAIR Loan

FAIR loans can be used for any purpose to make all your dreams come true – whether you wish to buy new furniture a car or a swimming pool, FAIR loan will accommodate all of your needs.

  • Borrow from CZK 30,000 to CZK 1,000,000
  • Monthly payments can be spread for a period from one to eight years
  • You can set the monthly loan amount and payment date yourself
  • Add a co-applicant to get a higher loan
  • You can also arrange payment protection insurance

Basic Terms and Conditions  

  • Age 18 years and above (applicant and co-applicant)
  • Regular income
  • Spousal consent for loans from CZK 250,000 to CZK 400,000 (inclusive) - granted in writing at any SBCZ branch 
  • Spouse as a mandatory co-applicant for loans above CZK 400,000

Documents Required  

  • ID documents:
    • Czech citizens: ID card
    • Slovak citizens: Slovak ID card + another ID card (Czech permanent/ long-term / temporary residence permit or driving licence / passport and proof of address)
    • EU / EFTA citizens: passport or ID + permanent residence permit
    • Others: passport + permanent residence permit
  • Proof of income - if not credited to Sberbank CZ account:
    • employee 
      • FAIR Loan from CZK 30,000 to CZK 250,000 (inclusive): Proof of Income or full bank statements from your current account for the past three months
      • FAIR Loan from CZK 251,000 to CZK 500,000 (inclusive): Proof of Income and full bank statements from your current account for the past three months
    • entrepreneur – Tax return and proof of tax payment

Contact us

  • At any Sberbank CZ branch
  • On our info-line 800 133 444
  • Using the contact form on this page

Information contained in this marketing kit does not constitute a public offer or invitation to bid and/or enter into a contract/agreement. Provision and use of Sberbank CZ services are subject to the execution of a respective contract/agreement and compliance with the terms and conditions thereof. Comprehensive information about our products and services can be obtained at http://www.sberbankcz.cz or any Sberbank CZ branch.

Best Interest Rate Guarantee

Were you offered a better interest
rate by any other bank? Tell us
about it and we will match it up!

Campaign Terms and Conditions

I have a better offer

Complete the form and attach a scanned binding proposal or a draft consumer loan agreement received from another bank.
{0} must be filled in.
{0} must be filled in.
{0} must be filled in.
{0} must be filled in.