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Available balance

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hyponamiru.cz / Glossaries / Available balance

We refer to the amount of money in your account that you can freely dispose of as your Available Balance, which is based on your Account Balance less any unaccounted card payments.

What is the available balance?

By available balance we mean the amount of money currently available to the client, sometimes referred to as the current account balance.

This is a positive balance, which may be increased by an overdraft or authorised debit, or reduced by blockages from the account. It is therefore a balance that you can use to make payments.

What are Account Blocks?

Blocking refers to transactions and amounts that have already taken place but have not yet been posted. Most commonly, these are card payments where you have paid for a purchase at a merchant but the transaction has not yet been processed by both banks. Until this is done, such a transaction will appear in the blocks.

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První kroky k nové hypotéce

Tak, jako rodiče pomáhají svým dětem s prvními krůčky a chrání je před pádem, my pomáháme lidem k vysněnému bydlení. Provedeme vás celým procesem získání výhodné hypotéky. Od začátku, až do konce, bez zakopnutí.

 

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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.

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.

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.

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.