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

Leasing

New mortgage
Refinance
Hroch
Rate from
5,69 %

hyponamiru.cz / Glossaries / Leasing

Leasing is a financial product that allows you to finance the acquisition of movable assets. Most often it is a car lease, but machines are no exception. The parties to the contract are the lessor and the lessee; until the obligation is repaid, the lessor is the owner of the subject of the contract. Only after the obligation is fulfilled will the ownership change, which in practice means, for example, that the car will be yours after the lease and the ownership will be transferred.

Leasing is characterised by a link to the financed object

Leasing is a specific form of renting, because at the end of the lease the object of the lease becomes the property of the lessee. The lessee must accept the terms of the contract for the disposal of the financed object, for example, that the vehicle will be used only for personal purposes, for the entire duration of the lease.

leasing

What types of leasing do we know?

  • Financial leasing, which is based on the provision of financing. At the beginning, the lessee pays an extra payment, called a down payment. Maintenance, insurance, servicing and other things are the responsibility of the lessee, who can buy the item and become its owner at the end of the commitment.
  • Operational leasing, which can be compared to renting. You will be able to use the item for the duration of the contract, but things like maintenance, insurance, repairs, etc. go to the leasing company. The latter also owns the thing for the whole time. When the operating lease ends, you return the item to the leasing company, but they may offer you the option to buy it back.
  • A special type of lease is a leaseback, where the company first sells the future leased item to the leasing company and then leases it from them. At the end of the commitment, the leased item passes back to the lessee.
Refinance with us
  • 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

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.

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.