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Loan agreement

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hyponamiru.cz / Glossaries / Loan agreement

A loan agreement is a written document in which the borrower agrees to repay the money borrowed, including interest and related fees, to the bank or non-bank financial company on a specified date. In the case of a consumer home loan, a mortgage loan agreement is concluded.  

Particulars of the loan agreement

The loan agreement describes in detail all the rights and obligations of the parties. This document must, for example, specify the type of consumer credit, the identification and contact details of both parties, the duration of the consumer credit, its total amount and the conditions for drawing it down. The credit agreement shall also specify the total amount of the credit, the borrowing rate, the value of the RPSN and the specific amount, number and frequency of payments.

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The contract also specifies the fees

The loan agreement also specifies any fees arising from the agreement, any costs for notary services or other similar costs, the method of security (e.g. in the case of a mortgage, by pledging the property) and information on any insurance for the loan. Before signing the contract, each prospective borrower should also enquire about the possible method and conditions for early repayment of the loan and the costs involved.

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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.

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.

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.