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Guarantor

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hyponamiru.cz / Glossaries / Guarantor

Lenders try to minimise the risk of default and in some cases require additional collateral in the form of a guarantor. A guarantor is a person who gives a written undertaking to a bank or other creditor to settle a debt if the borrower cannot or will not repay it himself. Unlike a co-borrower, a guarantor is not a co-obligor and is only approached by the creditor when recovery of the debt from the debtor is unsuccessful.

Requirements for guarantors

Not every person can be a guarantor. The basic condition is that the person must be of legal age and the bank must also accept the chosen guarantor. Also, a person who has outstanding debts or is even under execution cannot become a guarantor. Banks assess the guarantor in a similar way to the borrower himself. They try to find out as much information as possible about the borrower’s payment record and usually consult both bank and non-bank registers. If you become a guarantor, expect that you may have trouble getting your own mortgage.

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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.

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.

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.