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Borrower

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hyponamiru.cz / Glossaries / Borrower

A borrower is a natural or legal person who has undertaken to repay another person (the lender) a financial loan according to agreed terms, including agreed remuneration (interest). The word ‘borrower’ is often perceived negatively by the public, but if the borrower repays his or her financial obligations properly and on time, there is no reason to do so. When a debtor stops paying his/her obligations, he/she becomes a defaulter.

dlužníci a registr dlužníků

Borrowers’ registers

Before granting a loan, banks are interested in your payment history and any outstanding debts. Domestic banks can consult several registers, namely the Non-Bank Register of Client Information (NRKI), the Bank Register of Client Information (BRKI), the SOLUS register and the Central Register of Executions.

Positive entry in the register

The registers are used by banks and non-banking companies to establish creditworthiness and determine the credibility of a prospective borrower. The mere entry in the register is not automatically bad – it is necessary to distinguish between positive and negative entries. A positive record is indicative of the credit seeker’s good credit standing. On the basis of a positive record, the bank may, for example, offer the loan applicant a better interest rate.

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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.