Interest rates

> current interest rates<


BASIC INTEREST RATE  % p.a.

Student loan without a guarantor​

4

Student loan with a guarantor​​

4

Excellent loan​

4

Stabilization loan​

4

Educational loan​

4

Martin Filko scholarship​

4


PENALTY INTEREST

+  % p.a.

Student loan without a guarantor​

for the entire period during which the Borrower is overdue on the Loan by more than two installments; this does not affect the Lender’s right to statutory default interest

2


for the entire duration of a serious breach of this Agreement by the Borrower, if such a breach occurs during the period​

when the Borrower is obligated to repay the Loan; a serious breach of the Agreement is considered to be the circumstances​

listed in points 23.1 to 23.3 of Article VI of the Loan Agreement

2

Student loan with a guarantor​​

for the entire period during which the Borrower is overdue on the Loan by more than two installments; this does not affect the Lender’s right to statutory default interest

2


for the entire duration of a serious breach of this Agreement by the Borrower, if such a breach occurs during the period​

when the Borrower is obliged to repay the Loan; serious breaches of the Agreement are considered to be the circumstances specified in points 23.1 to 23.3 of Article VI of the Loan Agreement

2

Excellent loan​

for the entire period during which the Borrower is overdue on the Loan by more than two installments; this does not affect the Lender’s right to statutory default interest

2


for the entire duration of a serious breach of this Agreement by the Borrower, if such a breach occurs during the period​

when the Borrower is obliged to repay the Loan; serious breaches of the Agreement are considered to be the events specified in points 23.1 to 23.3 of Article VI of the Loan Agreement.

2


for the entire period during which they did not engage in gainful activity pursuant to point 2, Article IX of the Loan Agreement

2

Stabilization loan​

for the entire period during which the Borrower is overdue on the Loan by more than two installments; this does not affect the Lender’s right to statutory default interest

2


for the entire duration of a serious breach of this Agreement by the Borrower, if such breach occurred during the period,

when the Borrower is obligated to repay the Loan; a serious breach of the Agreement is considered to be the circumstances​

specified in points 23.1 to 23.3 of Article VI of Loan Agreement

2

Educational loan​

for the entire period during which the Borrower is in default on more than two Loan installments; this does not affect the Lender’s right to statutory default interest

2


for the entire duration of a material breach of this Agreement by the Borrower; a material breach of the Agreement is considered to be the events listed in points 15.1 to 15.3 of Article VII of the Loan Agreement
2


from the first day of the month following the month in which the six-month grace period under Article VIII of this Agreement expired without effect, until the month following the month in which the Borrower demonstrates to the Lender that they have again become a teacher or university lecturer under § 75 of Act No. 131/2002 Coll., as amended, and who is not in a probationary period

4

Martin Filko scholarship​



Late payment interest for all types of loans is applied at the legally prescribed rate.


An unlawfully drawn loan accrues interest at a rate increased by 2%, from the date of disbursement until repayment. The Borrower is obliged to return the unlawfully drawn loan to the Lender within 15 days from the delivery of the Lender’s notice demanding a one-time repayment. In addition to the one-time repayment of the unlawfully drawn loan and related charges, the Lender is entitled to claim a contractual penalty of 10% of the loan amount from the Borrower.