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hyponamiru.cz / Glossaries / Credit card

A credit card is a payment card linked to a revolving credit that you can pay off gradually and also draw on repeatedly. It can also serve as a reserve for a rainy day.

What is a credit card for?

What’s a credit card for, you ask? A credit card is a form of credit given to you by a bank, which you use as a loan and then pay back regularly. The card is linked to a credit account, so you can use it to pay in shops or on the internet just like a regular debit card, and you can also withdraw cash.

Jak našetřit na dům

What are the benefits of a credit card?

The main advantages are that you can use the loan at any time and repeatedly up to the agreed limit, and you can also repay it at any time. If you do so before the end of the interest-free period, you pay no interest.

And what are the disadvantages of a credit card? In particular, the high interest rates if you don’t pay off the loan within the interest-free period and the fact that banks charge extremely high fees if you want to withdraw money from an ATM. In addition, to qualify for a credit card, you need a clean credit record and the need for regular 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

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.

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.

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.