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APR

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hyponamiru.cz / Glossaries / APR

APR is an abbreviation of “Annual Percentage Rate of Charge” which allows you to quickly and very easily compare the profitability of consumer loans offered by different financial institutions. This indicator tells you about the total cost of the credit offered, i.e. not only the amount of interest required, but also all the other necessary expenses associated with the loan. The APR is given as a percentage per annum (p.a.). All consumer credit providers are legally obliged to state the APR.

RPSN  - co znamená a co ovlivňuje

What does the APR include?

Banks or non-bank consumer credit providers may charge you various additional fees. For example, the lender’s price list may include fees for assessing the loan application, concluding the contract, maintaining the loan account, fees for transferring funds, etc. All necessary expenses related to the loan must be included in the APR. However, there are also fees that do not have to be included in the APR. In the case of a mortgage, for example, there is a fee for the valuation of the property or payments to the Land Registry.

Loan selection by APR

When evaluating individual loan offers according to the APR, a simple rule applies – the lower the APR, the better the loan. When choosing a loan provider, it is also worth looking at other conditions. For example, by arranging additional products with one financial company, you may be able to get a better interest rate or other advantage.

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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.