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Bonus

New mortgage
Refinance
Hroch
Rate from
5,39 %

hyponamiru.cz / Bonus

Explanation of the bonus calculation

Within our service, we can provide our clients with a bonus. Its amount indicates how much money we have already paid to our clients. In particular, we cover the fees associated with arranging a mortgage or the interest rate compensation (see below).

Loan parameters

Total loan amountCZK 2,000,000
Date of single drawdown of the loan (full amount)3 months after signing a contract
Loan term from the loan drawdown date30 years
Fixed lending interest rate2.09% p.a. with 5-year fixation
Discounted interest rate1.99% p.a. with 5-year fixation
Annual percentage rate of charge (APRC)2.38% p.a.
Total amount paid by the clientCZK 2,641,257.46
Monthly paymentCZK 8,760.99
Bonus for the clientCZK 9,571.00
Number of monthly payments360

Fees

Loan processingFREE
Loan accountFREE
Checking accountFREE
Property appraisalFREE
Fee for loan drawdownCZK 500.00
Application for registration of lienCZK 2,000.00
Application for deletion of lienCZK 2,000.00
Verification of lien contract signatureCZK 30.00 per each signature
Confirmation of paid interestCZK 50.00 per year

The bonus is calculated as a difference between the fixed lending interest rate and the discounted interest rate for the duration of the fixation period. The total interest paid by the client at an interest rate of 2.09% and a 5-year-long fixation period is CZK 196,245. For the discounted interest rate of 1.99%, the total interest is CZK 186,674, making the difference CZK 9,571 for this particular case. The bonus of CZK 9,571 is sent to the client’s bank account by the 20th of the month following the finalization of the mortgage process. The mortgage contract always contains the fixed lending interest rate.

The loan must be secured by the property lien. The above example refers to a property lien for a property with a value of at least CZK 2,352,941. The obligation to insure the collateral (does not apply to the collateral – a parcel of land without a building): the insurance must be arranged before drawing down the mortgage and must be valid for the entire term of the loan.

Important notice

This is not a contract proposal. All the calculations and data, including the details about the interest rate or the monthly payment, are informative only. The aforementioned example was created for parameters corresponding to the parameters of an average loan currently provided by the banks. The final parameters can differ depending on your creditworthiness and the results of your credit assessment, and will be set out in the pre-contractual information and the loan agreement.

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Frequently asked questions

With which Czech banks do you have the best experience?

The most client-oriented bank is certainly Hypoteční banka with their speed of request processing, the service quality, the range of checking accounts they offer, and the interface called “Mortgage Zone”. Other such banks include Komerční banka, Moneta and Raiffeisenbank.

Can a mortgage be really arranged online?

Yes, it can. Thanks to the latest technology we’re using, you really don’t need to go to the bank to arrange a mortgage. Check it out for yourself.

Do you deal with new mortgages as well as refinancing?

Yes, we deal with both new mortgages as well as refinancing of the existing home mortgage loans. Our specialists will find a solution for you in either case – a solution you can afford.

How long does it take to arrange a mortgage?

A mortgage can be arranged within a month or three. The whole process usually takes around two months. The reason behind it is mostly the approval process on the side of the banks. However, there’re plenty of possibilities to speed up the mortgage application and we know them. Check it out for yourself.

We facilitate consumer credit as a tied agent registered by CNB under company ID number 05736501. We are also registered as an independent consumer credit broker of commercial company Broker Trust, a.s., company ID number: 26439719.

@ 2023 The company Hypo na míru s.r.o. is registered at the Municipal Court in Prague, file number C 269834, company ID number: 05736501.