e-Finance CZ SE Bonds

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 rented properties of the e-Finance, a.s. group already exceeds the value of 1,98 billion crowns. The value of all real estate projects, including those in preparation and construction, exceeds the value of 2,64 billion crowns. Our current investment portfolio of properties owned by e-Finance can be viewed here.
These properties regularly provide stable returns, which are annually above inflation, in the long term by several percent.
Inflation is an integral part of the market economy. Inflation occurs when the prices of goods and services rise. The rate of inflation is determined by the percentage change in the price level of consumer prices, i.e., the change in the prices of goods and services. This price change is among others referred to by the so-called Consumer Price Index. The Consumer Price Index indicates the current price of a basket of consumer goods, products, and services relative to the price of the basket in the reference year. Price representatives are such goods and services that significantly contribute to the expenditures of the population, such as food and non-alcoholic beverages, alcoholic beverages, tobacco, clothing and footwear, housing, water, energy, fuels, dining, accommodation, and others.
The increase in consumer price indices is published every month by the Czech Statistical Office.
From September 8, 2025, you can order bonds from the issue of one-year bonds e-Finance CZ SE 52 with an annual interest rate of 7%.
Bonds of the e-Finance group are investment securities intended for citizens of the Czech Republic, whose basic prospectus of the bond program is approved every year by the Czech National Bank.

Annual yield
Annual yield 7%
Investment due on 4/1/2027
- investment from 50,000 CZK
- annual interest 7%
- one-year bonds
- the bond can be repaid early at the end of the yield period
- the bond issuer is the business corporation e-Finance CZ Group
- information by phone 515 555 555 or by email info@e-finance.eu
How much do you want to invest?
e-Finance CZ SE 52 Bonds with an Annual Interest Rate of 7%
e-Finance CZ is issuing the e-Finance CZ SE 52 bond series as of November 1, 2025, under 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. The e-Finance CZ SE 52 bonds can be ordered from September 8, 2025.

Interest Yield
The bonds offer a fixed appreciation of 7%. The stated interest is fixed for the entire period and does not change regardless of any potential decrease in bank interest rates. The interest will be paid to the bondholder on April 1, 2027.
Form of Bonds
The bonds are issued in paper form, registered to a name, and are freely transferable by endorsement, with the transfer not requiring approval and not being subject to any fees. Subscription of the bond is also carried out without any charges.
Use of Funds Obtained from Bonds
The issuer intends to invest the funds obtained from the bonds primarily in the development and financing of the issuer's business activities, its parent company, and sister companies, particularly in the areas of construction, purchase, revitalization, rental, operation, and sale of real estate, purchase of business 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 business shares held by the issuer, parent company, or sister companies in business corporations, development and financing of business corporations in which the issuer, parent company, or sister companies own a business share.
Bond Redemption
The bondholder may request redemption at the end of the current yield period, provided that they do so no later than three months before its end. The notice period is 3 months.
Subscription and Purchase of Bonds
First, enter into a contract for the subscription and purchase of bonds, then pay the issue price of the subscribed bonds, either by transfer to the account specified in the contract or in cash (cash only up to the equivalent of 250,000 CZK), and subsequently, the bonds will be handed over to you. The bonds can also be sent by mail as insured valuable shipment. The nominal value of one bond and the minimum investment amount is 50,000 CZK. The bond subscription contract can be concluded directly at the headquarters of e-Finance CZ, a.s. in Brno at Bratislavská 234/52, by correspondence, or after filling out the order form below.
CNB Approval
The basic bond prospectus was approved by the Czech National Bank as the competent authority under Regulation (EU) 2017/1129.
Complete CNB decision on the approval of the basic prospectus of the bond offering program
The Czech National Bank approves this prospectus only in terms of its compliance with the standards of completeness, comprehensibility, and coherence 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 securities.
Complete Information
Download: e-Finance – Basic Prospectus of the Bond Program
Download: Final Terms of the Offer for the Issuance of e-Finance Property CZ SE 52 Bonds
The issuance conditions can also be reviewed at the issuer's headquarters at Bratislavská 234/52, Brno, where they are available free of charge in brochure form and on an electronic data carrier CD.
Bond pre-order
Request for information
I want to send a business card to this page:
Currently, e-Finance offers the following types of bonds:
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
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