Czech banks’ approach to mortgage and loan repayment postponement in regards to the CoVid-19 virus

The Czech banking association (CBA) suggested on 12.3.2020 all banks to allow 3 months of postponed repayments for all types of loans for those in needs (incl. small businesses and the self employed) in order to prevent defaulting in the future. This is in terms of a recommendation, not forcing the banks to do so, however many banks have already expressed their consent.

Two things which are very important to mention:

  1. The postponement is in the debt registry seen as a default so it will have a negative impact on future lending possibilities – CBA is advising for an exception – whether banks will accept is not known yet so consider applying only if it is necessary.
  2. Not everybody is eligible for the postponement. It should only be used by those whose income has been reduced due to the current situation and will have problems with their repayment.

Below we bring you a summary of the banks we cooperate with and how they reacted, including valuable links and contact details.

We will also bring updates as soon as we have any new information.


Česká spořitelna:


EQUA bank:

FIO bank:

Hypoteční banka:

Komerční banka:



Raiffeisen BANK




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