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hyponamiru.cz / Glossaries / Kvitance

A receipt is a written confirmation from the creditor to the debtor that he has fulfilled his debt. It is a private document, and in connection with mortgage loans, it is most often encountered when refinancing a mortgage, where the receipt is a condition for drawing down a new mortgage loan.

What is a receipt?

The receipt proves that the debtor has fulfilled his debt. It can also be called a receipt, which confirms that an obligation to a creditor has been extinguished by performance.

What does such a receipt for payment of a debt look like?

  • Receipts must be in writing.
  • It should identify the persons of the debtor and the creditor, at least by name, but ideally also by date of birth and place of residence.
  • It should specify the subject matter of the debt.

Did you know that receipts are not issued automatically, they often have to be requested after the debt has been settled? The creditor is then obliged to issue the receipt, otherwise the debtor may be denied lawful performance. If the creditor issues a receipt before the debt has been paid, the creditor is deemed to have forgiven the debt to the debtor.

Bank receipts in the case of a mortgage

As mentioned in the introduction, it is most often encountered when refinancing a mortgage, whereby the bank confirms that it gives its consent to early repayment of the mortgage and also to the deletion of the lien from the property after payment of the principal.

The bank does not issue it automatically at the end of the fixation period, so be sure to apply for it well in advance. This is the only way you will be able to refinance your mortgage with another bank.

Is refinancing worth it?
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  • Online mortgage specialist support
  • Better conditions
  • User-friendly mortgage banking

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První kroky k nové hypotéce

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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.

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.

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.

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.

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