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Discount rate

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hyponamiru.cz / Glossaries / Discount rate

The discount rate is another of the three interest rates set by the CNB, alongside the Lombard rate and the repossession rate. It is also referred to as the Automated Deposit Facility.

What is the discount rate?

The discount rate is one of the monetary policy instruments of the Czech National Bank, which uses this method to earn interest on free funds deposited with it by other banks. It is usually a positive interest rate; the CNB uses the discount rate to regulate the amount of money in the economy.

Did you know that if the CNB lowers the discount rate, loans will become cheaper; if it raises it, loans will become more expensive?

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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.

 

Za lepší hypotékou

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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.

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.

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.

What we do

✅ Processing time:within 24 hours
✅ Interest:Lowest on the market
✅ Terms:Convenient
✅ Scope:whole Czech Republic - we are online
  • Processing time

    within 24 hours
  • Interest

    Lowest on the market
  • Terms

    Convenient
  • Scope

    whole Czech Republic - we are online

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.