Skip to content
header_logo
  • Mortgage calculator
  • Articles
  • Mortgage
  • Career
  • Our team
  • Log In

Mortgage banking

New mortgage
Refinance
Hroch
Rate from
5,69 %

hyponamiru.cz / Glossaries / Mortgage banking

Mortgage banking is, in the true sense of the word, a type of service designed to disburse funds for the purpose of acquiring a home of one’s own or improving it. The main parameter is a mortgage loan secured by a mortgage on the property. However, we also come across the term online mortgage banking. What is it?

When you say mortgage loan

A mortgage is a long-term loan, the repayment of which is secured by a mortgage on real estate, which must be located in the Czech Republic or in an EU Member State or a state that forms part of the European Economic Area. It can be either the loan object itself or another property (or more than one property).

A pledge created by a written pledge agreement is then an obligation of the owner of the real estate, by which he gives the creditor (the bank) the possibility to claim satisfaction of his claim from the pledged property. The bank does not become the owner of the mortgaged property, but only secures its loan claim.

What is online mortgage banking?

You’ve certainly come across the term personal banking, but what is mortgage banking, which can now be used online? Until recently, those who wanted a mortgage would make appointments at individual banks or use the services of a personal financial advisor. Today, this can be done from the peace and comfort of home.

You can arrange your mortgage online via the internet or over the phone, and you will be guided through the entire process by an experienced mortgage specialist who will be available to you at all times.

  • The online mortgage banking is accessed via a mortgage calculator, where you describe the mortgage you are looking for and compare offers from different banks.
  • You can also find out the fees for processing the loan, its management, drawdown, property appraisal, land registry, etc.
  • When you choose a mortgage from the offer, you fill in the necessary details, attach two proofs of identity for the main applicant and any co-applicants and send these documents for processing.
  • You will then hear from a mortgage specialist who will help you with the next steps. He or she will send you a list of documents needed to approve the mortgage, send the loan for approval and, when that happens, prepare the contract for you to sign.
  • The last step is taking out a mortgage. This too has rules and your assigned mortgage specialist will familiarize you with them and help you through it.

Víte, že díky v online hypotečním bankovnictví najdete i záložku hlídač, díky které neprošvihnete blížící se konec doby fixace, pohlídá vám i výročí hypotéky a termín mimořádné splátky?

Did you know that thanks to online mortgage banking, you will also find a watchdog tab that will ensure that you don’t miss the end of the fixing period and will also keep an eye on your mortgage anniversary and the date of the special payment?

Online mortgage banking

  • Online mortgage arrangement
  • Online mortgage specialist support
  • Better conditions
  • User-friendly mortgage banking

CZK0

That's how much we gave out to our clients in bonuses ?

Wrote about us

★ ★ ★ ★ ★
Rating: 4.9 | 10 reviews
All reviews
More articles

Don't miss

Mortgage should be chosen with a strategy in mind

A mortgage is always a long run. Before you start looking for a mortgage, work with a mortgage specialist to develop a suitable strategy.

zulevic | 23. 5. 2022 | 3 minuty to read

HypoNews: arranging an online mortgage, mortgage for foreigners#March2022

Hyponamíru, the online mortgage and online refinance specialist, brings you this year's third installment of HypoNews, your guide to the world of mortgages. As always,…

Ing. Filip Křivánek | 29. 3. 2022 | 5 minuty to read

Mortgage for foreigners: how to get it?

Foreigners can also apply for a mortgage to purchase their own property in the Czech Republic. Each bank follows its own methodology when assessing mortgage…

Roman Muller | 28. 3. 2022

How to sell a property for which there is a mortgage

There are a number of reasons that lead people to sell a mortgaged property. If you are now planning to sell your apartment or family…

Roman Muller | 24. 3. 2022 | 5 minut to read

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
logo bez pozadi

– For better mortgage

Hanusova 1411/18 | 140 00 Prague |  info@hyponamiru.cz | 800 688 388 | Branches and contacts

  • hyponamiru_mala_ikona

    FAQ

  • hyponamiru_mala_ikona

    Glossary of terms

  • hyponamiru_mala_ikona

    Representative example

  • hyponamiru_mala_ikona

    Guide

  • hyponamiru_mala_ikona

    Partners

  • hyponamiru_mala_ikona

    Watchdog

  • hyponamiru_mala_ikona

    Published about us

  • hyponamiru_mala_ikona

    Press kit

  • hyponamiru_mala_ikona

    Reviews

  • hyponamiru_mala_ikona

    Privacy policy

  • hyponamiru_mala_ikona

    Cookies

  • hyponamiru_mala_ikona

    Terms and conditions

Frequently asked questions

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.

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.

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.