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Interest rate

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hyponamiru.cz / Glossaries / Interest rate

Every applicant for a loan must take into account that the bank or non-banking company will charge a certain interest for borrowing money. The interest rate indicates the percentage by which the amount borrowed increases over a certain period of time. For example, if you borrow CZK 10 000 for one year, you will pay CZK 1 000 in interest at an annual interest rate of 10 per cent.

Mortgage interest rate

ÚThe interest rate is one of the most frequently monitored parameters when choosing a mortgage. You can see current mortgage interest rates, for example, in our online mortgage calculator. In the vast majority of cases, Czechs take out mortgages with a fixed interest rate, where the rate does not change throughout the fixation period. You can also find variable rate mortgages, the amount of which depends on the rates announced by the Czech National Bank (note: monthly PRIBOR rates).

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Interest rate does not include fees

When choosing a loan, it is advantageous to look not only at the interest rate offered, but also at the APR (Annual Percentage Rate of Charge). In addition to the interest rate, the APR also includes other costs associated with the acquisition of the loan, such as origination fees, loan account maintenance and so on.

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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.