One-year bonds
One-year bonds with a yield of 7%
The bonds of the e-Finance Group are investment securities intended for citizens of the Czech Republic, whose base prospectus for the bond program is approved annually by the Czech National Bank.
The e-Finance Group is a real estate investment group that has been investing for more than 20 years in properties located in attractive areas of the Czech Republic, such as commercial and administrative buildings, hotels, and residential properties.
The e-Finance group has been investing in real estate in attractive locations in the Czech Republic for twenty years. The portfolio of completed and leased properties of the e-Finance Group already exceeds CZK 1,98 billion. The value of all real estate projects, including those under preparation and construction, exceeds CZK 2,64 billion. Our current investment portfolio of properties owned by e-Finance Group can be viewed here.
These properties regularly generate stable returns that annually exceed inflation, by up to several percent in the long term.
Inflation is an inherent part of a market economy. Inflation occurs when prices of goods and services rise. The inflation rate is determined by the percentage change in the consumer price level, i.e., the change in prices of goods and services. The change in these prices is reported, among other things, by the so-called Consumer Price Index. The Consumer Price Index indicates the current price of a basket of consumer goods, products, and services compared to the price of the basket in the reference year. Price representatives are those products and services that significantly contribute to household expenditures, such as food and non-alcoholic beverages, alcoholic beverages, tobacco, clothing and footwear, housing, water, energy, fuels, catering, accommodation, and others.
The increase in consumer price indices is published monthly by the Czech Statistical Office.
From August 7, 2025, you can order bonds from the issue of one-year bonds e-Finance CZ SE 51 with an annual interest rate of 7%.
The bonds of the e-Finance group are investment securities intended for citizens of the Czech Republic, whose base prospectus for the bond program is approved annually by the Czech National Bank.
Why e-Finance?
According to the audited financial statements for the period 2024
for income properties
external sources on the value of the portfolio
on the investment property market
from bonds for the public
After the implementation of planned investments
commercial and residential properties
Annual yield
One-year bonds with a yield of 7%
Investment due on March 1, 2027
- investment from CZK 50,000
- annual interest 7%
- one-year bonds
- bond can be repaid early at the end of the interest period
- bond issuer is the business corporation e-Finance Group
- information by phone 515 555 555 or by email info@e-finance.eu
How much do you want to invest?
Bond pre-order
Request for information
Bonds e-Finance CZ SE 51 with an annual interest rate of 7%
The company e-Finance CZ issues, as of October 1, 2025, the bond series e‑Finance CZ SE 51 within the e‑Finance bond program with a total maximum volume of CZK 3,000,000,000 and a maximum outstanding bond volume of CZK 500,000,000. Bonds e-Finance CZ SE 51 can be ordered from August 8, 2025.
Interest Yield
The bonds carry a fixed interest rate of 7%. The stated interest is fixed for the entire period and does not change regardless of any potential decrease in bank interest rates. Interest will be paid to the bondholder on March 1, 2027.
Form of Bonds
The bonds are issued in paper form, registered to a name, and are freely transferable by endorsement. The transfer does not require approval and is not subject to any fees. Likewise, subscribing to the bond is carried out without any fees.
Use of Proceeds from Bonds
The issuer intends to invest the proceeds obtained from the bonds primarily in the development and financing of business activities of the Issuer, its parent company, and sister companies, particularly in the areas of construction, purchase, revitalization, leasing, operation, and sale of real estate, acquisition of shares in business corporations whose main economic activity is the management of their own real estate, establishment of business corporations whose main economic activity is the management of their own real estate, management of shares held by the Issuer, parent company, or sister companies in business corporations, and the development and financing of business corporations in which the Issuer, parent company, or sister companies hold shares.
Bond Redemption
The bondholder may request redemption at the end of the current yield period, provided that such request is made no later than three months before its end. The notice period is 3 months.
Subscription and Purchase of Bonds
First, you will conclude a bond subscription and purchase agreement, then pay the issue price of the subscribed bonds either by transfer to the account specified in the agreement or in cash (cash only up to the equivalent of CZK 250,000), after which the bonds will be handed over to you. Bonds can also be sent by mail as insured valuable shipments. The nominal value of one bond and the minimum investment amount is CZK 50,000. The bond subscription agreement can be concluded directly at the headquarters of e-Finance Group in Brno at Bratislavská 234/52, by correspondence, or after completing the order form below.
Approval by ČNB
The base prospectus of bonds has been approved by the Czech National Bank as the competent authority under Regulation (EU) 2017/1129.
Complete decision of ČNB on the approval of the base prospectus for the bond offering program
The Czech National Bank approves this prospectus solely in terms of compliance with the standards regarding completeness, comprehensibility, and consistency imposed by Regulation (EU) 2017/1129. This approval should not be understood as an endorsement of the quality of the securities that are the subject of this prospectus. Investors should conduct their own assessment of the suitability of investing in these securities. We recommend that potential investors read the prospectus before making an investment decision to fully understand the potential risks and returns associated with the decision to invest in the securities.
Complete information
Download: e-Finance – base prospectus of the bond program
Download: Final terms of the offer for the issue of Bonds e-Finance Property CZ SE 51
The issue conditions can also be reviewed at the issuer's registered office at Bratislavská 234/52, Brno, where they are available free of charge in brochure form and on electronic data carrier CD.
Currently, e-Finance offers the following types of bonds:
Two-year bonds secured by Račice Castle with yield up to 8 %
Investment due on October 1, 2027
- investment from CZK 50,000
- annual interest 8% for the first yield period (October 1, 2025 to September 30, 2026)
- annual interest 7% for the second yield period (October 1, 2026 to September 30, 2027)
- bonds are secured by Račice Castle properties
- bond can be repaid early at any time
- the issuer of the bond is the business corporation e-Finance Group
- information by phone 515 555 555 or by email info@e-finance.eu
Three-year bonds secured by Račice Castle with a high yield of up to 9 %
Investment due on November 1, 2028
- investment from CZK 50,000
- annual interest 9% for the first yield period (October 1, 2025 to October 31, 2026)
- annual interest 8% for the second yield period (November 1, 2026 to October 31, 2027)
- annual interest 7% for the third yield period (November 1, 2027 to October 31, 2028)
- bonds are secured by Račice Castle real estate
- bond can be repaid early at any time
- the issuer of the bond is the business corporation e-Finance Group
- information by phone 515 555 555 or by email info@e-finance.eu
Three-year bonds secured by EFI Hotel & Properties shares with a high yield of up to 9 %
Investment due on November 1, 2028
- investment from CZK 50,000
- annual interest 9% for the first yield period (October 1, 2025 to October 31, 2026)
- annual interest 8% for the second yield period (November 1, 2026 to October 31, 2027)
- annual interest 7% for the third yield period (November 1, 2027 to October 31, 2028)
- bonds are secured by shares of the hotel and real estate group EFI Hotels & Properties, a.s.
- the bond can be repaid early at any time
- the issuer of the bond is the business corporation e-Finance Group
- information by phone 515 555 555 or by email info@e-finance.eu
Four-year anti-inflation bonds e‑Finance CZ
Investment due on October 1,2029
- investment from CZK 50,000
- annual interest INFLATION + 1% is paid out every year
- the bond can be repaid early at the end of the interest period
- the bond issuer is the business corporation e-Finance Group
- information by phone 515 555 555 or by email info@e-finance.eu