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hyponamiru.cz / Glossaries / Bonita

Every lender runs the risk of not getting the money back. In order to minimise this risk, it checks the so-called creditworthiness of the applicant. The creditworthiness shows whether the loan applicant will be able to meet his financial obligations to the lender in a proper and timely manner. When determining the creditworthiness of a loan applicant, the bank or non-bank lender considers a number of parameters. The process of assessing creditworthiness is called scoring.

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Assessment of the creditworthiness of the loan applicant

The first thing the lender looks at is the bank and non-bank register of customer information and the SOLUS register. A negative record in these registers leads to the rejection of the loan application. The creditworthiness of the loan applicant is also assessed by looking at, for example, age, gender, highest level of education, occupation, marital status, income and regular expenses. Each lender has its own methodology for assessing creditworthiness.

How to increase your credit rating

There are several ways in which a prospective borrower can improve their creditworthiness. In case of insufficient income, the solution is to increase the current earnings in the current job or to obtain additional earnings. For mortgages, another common solution is to bring in a co-borrower, for example, to significantly increase income.

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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

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.

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.

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.

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.