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hyponamiru.cz / Glossaries / Annuity

An annuity is a fixed, usually monthly, payment of a long-term debt. This can be a loan, a fixed deposit or a mortgage. In the case of consumer loans, the annuity payments are the same throughout the term, whereas in the case of mortgages, the annuity is fixed by contract for the duration of the interest rate fixation.

What does the annuity payment consist of?

Each annuity payment includes a principal payment (mortgage) and interest. The interest refers to the amount by which the debt is reduced, and the interest refers to the bank’s remuneration for lending the money. The annuity payment remains the same, but the ratio of interest to interest changes.

Did you know that an annuity is typically a fixed monthly payment?

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Frequently asked questions

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.

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.

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.

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.