Clients who do not communicate for a longer period and/or repeatedly, or fail to deal with the situation actively, are subject to the following penalties: debt collection fee of CZK 499.At that point you can still pay the debt without incurring any penalties. If you are late paying an instalment, we first send you a free warning (by text message, e-mail or phone).You can also get payment protection insurance for your loan. You can call us at 412 440 000 from 7 a.m. We will advise you and find a satisfactory solution. Should you get into difficulties in repaying, let us know about it as soon as possible. We have understanding for a difficult situation and we know that it can happen to every one of us.My financial situation has changed and I’m afraid that I won’t have enough money to cover the instalment.It can help you out if you suddenly lose your job, have an unexpected injury or experience a long-term illness. Consider repayment insurance, particularly for larger loans and mortgages.

When you take out a loan, set the instalment amount so that at least 20% of your monthly income is left on your account after subtracting your reoccurring and regular expenses, including the instalment. If you use the postal service to send money for instalments, put in the order several days before the instalment date because this service often takes much longer than a bank transfer. you transfer the money for the instalment from another bank, set up a standing order – you won’t have to worry about it and you’ll minimize the risk of forgetting a transfer.

If your paycheck or other source of income is not deposited to an Raiffeisenbank account, i.e. You can make the change free of charge in your Internet banking. You’ll have money available for the instalment even if your paydate falls on a weekend or a holiday.

The best date is four days after your paycheck is deposited to your account.

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