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hyponamiru.cz / Glossaries / Loan

Loan is one of the basic financial products of banking and non-banking companies. When you take out a loan, you commit to the lender that you will repay not only the full amount borrowed but also the agreed interest within a certain period of time. Loans can be obtained by individuals, entrepreneurs and companies. The terms of the agreed loan, including the rights and obligations of the parties, are detailed in the loan agreement.

Types of loans

Loans can take many forms and are subdivided according to different criteria. Loans can be divided, for example, according to the type of collateral (secured and unsecured), the purpose (earmarked and unearmarked), the method of disbursement (cash and non-cash) or the maturity (short, medium and long-term). Ordinary citizens most often use cash loans, where a bank or non-bank company provides money in cash or non-cash form. The category of cash loans includes, for example, consumer loans, mortgage loans and overdrafts.

How to choose a loan?

Calculate how much you can borrow

If you’re interested in a loan, it’s definitely worth comparing offers from different providers. The loan parameters are set individually by each bank and non-bank company. It is always worth looking at the interest rate, RPSN, minimum and maximum loan amount, repayment period and collateral requirements.

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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

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.

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.

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.

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.