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Mortgage increase

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hyponamiru.cz / Glossaries / Mortgage increase

You’re paying off your mortgage, but suddenly you realise you could use some extra money. You didn’t have enough money to finish the building. What now? Try applying for a mortgage increase.

How to increase the mortgage?

You can apply for a mortgage increase if the collateral is high enough, the bank finds you to be a creditworthy client and you have been paying the loan properly and on time. Instead of paying two loans, you will then only have to repay one. And it doesn’t matter if you didn’t use the money to finish the building, the garage, the pool, or even just to improve the garden.

Please note that the conditions vary from bank to bank and each application is considered individually.

odklad splátek hypotéky

What are the options for increasing the mortgage?

  • An increase to an existing mortgage loan that you are already paying off. Both at the time of fixing the mortgage and during the mortgage. Expect to go through the approval process again, where the bank will check your creditworthiness and the value of the mortgaged property.
  • Refinancing your mortgage with another bank and increasing it. You can then use the new loan to pay off your existing mortgage and use the extra funds for renovation, building completion, swimming pool, etc.
Save by refinancing
  • Online mortgage arrangement
  • Online mortgage specialist support
  • Better conditions
  • User-friendly mortgage banking

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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.

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.

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.