The building society is mainly used to finance investment in housing. Thanks to its parameters, however, it is also one of the most popular savings products in the Czech Republic. However, he definitely does not pay for a long-term spoen.

The history of the building society dates back to the past. The first mentions of a certain form of “collective association” are changed in the period of 200 BC in two years, they do not differ from the current principle. However, this form of spoen has developed most in Germany and Austria. The first German and Austrian model of building societies penetrated into the Czech Republic in the 1990s.

Construction of a building spoen

At present, there are two types of building savings contracts, which differ in terms of conditions, especially in the area of ​​state subsidies. Old contracts concluded until 31 December 2003 have a maximum support (25% of the participant’s deposit with a maximum subsidy of CZK 4,500) and a short period (5 years). The second type of contracts are contracts drawn up from 1 January 2004, ie according to the conditions valid to this day. We’ll deal with them.

A native word is important for the use of support. Thanks to the system of additional support, only one subsidy can be drawn for one birth certificate. Participants in a building society may not have many contracts, but they can always draw support only up to a limit of 3,000 K for all contracts together. The only exception is the case when the participant in the building savings of the country, then his contract with all the first and the obligations to go to the heir, who in this case can continue to join and draw 2 subsidies (1st for the world, 2nd for a brick contract) . The contract can thus be concluded for a minor child and for persons not caused to the first acts, for which their final representatives.

What should be included in the building savings contract

The contract must determine certainty, among others, the client chooses whether he wants to use the current subsidy or not. According to the contract, the amount of the person (sum of deposit, written amount of support and year) is set, which is basically a kind of framework, the amount of which can be combined through one building savings contract.

In the contracts, the years are the deposit rate and the years the deposit rate. These rates are valid and unchanged for the entire duration of the contract and do not depend on developments in the financial markets. The difference between the years from the deposit and the deposit may be a maximum of 3 percentage points (this spread is determined by the law).

It is limited by the fact that the contract lasts for a minimum duration of the contract. If the client does not take the opportunity to take the hellhound or back from the building savings, then after 6 years he is entitled to the payment of the savings. If the status here has not been set by the set person, the client can continue to connect according to the person (C). The end of the building connection is set to “full” C.

The current building society contract is divided into two phases. The first is the connection and achievement of the necessary conditions for the assignment of the heat and then the fulfillment of the heat. According to us, we will analyze only the savings and we will believe that our clients use the building savings only as a product to save.

A set of building savings contracts are the fees paid by the client. The first and very basic fee, which can significantly affect the load-bearing capacity of a building society, is the payment for the establishment of a person’s fee. The fee is 1% of C (salary for standard contracts). According to the fees, there are fees for building savings. These range from 250 to 360 K. For the clarity and idea of ​​the structure fees, I will give an overview of all tariffs of individual building societies and their parameters, which are relevant from the point of view of savings.

Building society


year of spoonsMin. clov stkaFee for kept hereFee for concluding a contract
MSS – LikaInvest2 %40 000 K290 K1 % z C, max. 15 000 K
MSS – LikaPerspective2 %300 000 K290 K1 % z C, max. 15 000 K
MSS – LikaAttractive1 %40 000 K290 K1 % z C, max. 15 000 K
Hypo SS (RSTS)Standard NS/EU2,40 %50 000 K360 K1.2% or 1.8% of C
Hypo SS (RSTS)Nadstandard NU / EU1 %50 000 K360 K1.2% or 1.8% of C
Hypo SS (RSTS)Smart2 %50 000 K360 K0,9 % z C
Modr pyramidaCredit fast2 %50 000 K300 K1 % z C, max. 10 000 K
Modr pyramidaKredit stand.2 %50 000 K300 K1 % z C, max. 10 000 K
Modr pyramidaPomal credit2 %300 K1 % z C, max. 10 000 K
Raiffeisen SSSpoic fare2 %50 000 K284 K1 % z C, 0,85 % z C do 25 let
Raiffeisen SSvrov tariff1 %50 000 K284 K1 % z C, 0,85 % z C do 25 let
SSS – BuinkaUniform spoc tariff2 %40 000 K285 K1 % z C, max. 9 500 K
Wstenrot SSOptimln speciln1 or 2.1%20 000 K250 K1 % z C, max. 30.000 K; 0,5 % pro ISIC, Alive, IYTC
Wstenrot SSOptimln finann1 or 2.1%20 000 K250 K1 % z C, max. 30.000 K; 0,5 % pro ISIC, Alive, IYTC
Wstenrot SSOptimln normln1 or 2.1%20 000 K250 K1 % z C, max. 30.000 K; 0,5 % pro ISIC, Alive, IYTC
Wstenrot SSOptimln kreditn1 or 2.1%20 000 K250 K1 % z C, max. 30.000 K; 0,5 % pro ISIC, Alive, IYTC
Wstenrot SSKamard2,10 %150 000 K250 K; 0 % z C

Table: Srovnn spoicch tariff

To complete the building savings, it is necessary to send a notice building savings. From the first day of the next month after delivery of the notice, the bet will expire 3msn of the notice period. In the event of termination of the building savings contract before the necessary conditions for the occurrence of a claim for payment are met, the building society will impose a sanction for premature cancellation of the contract. Mostly 0.5% of the duty and the client is entitled to the payment of the support.

Disadvantages of building spoen

The first inappropriate is the low load-bearing capacity of the building society in the long term. The valued deposit, which in the case of spocch tariffs is equal to 2% pa and in the case of “vrovch” tariffs, is valued at only 1% pa, does not even cover inflation.

The main support is the main motive for the connection and thus the main creation of the resulting evaluation. This is a one-off support, as well as its importance decreases over time, and with it the total revenue from building savings contracts.

Dal costs associated with the contract are a significant factor influencing the resulting appreciation. It is mainly a fee of 1% of the duty and according to then the fee for keeping it here.

m by spome, tm men is n input. The advantage is that the inputs are not subject to income tax.

Undoubtedly unsuitable is the illiquidity of the deposit, when in the case of the collection of spoench means before the expiration of the period of time, the client has a penalty (usually 0.5% of C) and the deposit for the subsidy is not paid, also due to the impairment of the deposit. And the investor is not rewarded for illiquidity by exchange.

Another inappropriate is the limited ability to deposit. If the client only needs one deposit, which he has for the building connection, he must always choose the whole connection and end the connection.

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