⭐ 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.

⭐ 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.

Mortgage loan - Slovník pojmů

A mortgage loan (abbreviated as mortgage) is a bank loan secured by a lien on real estate, which is most often used to finance the purchase, construction or reconstruction of real estate intended for one’s own home. A mortgage loan is granted by a bank and very often people arrange it through mortgage brokers or financial advisors. Czechs can also arrange a mortgage loan online using the mortgage banking portal hyponamiru.cz.

Purpose-built mortgage loan

A mortgage loan can be either purpose or non-purpose. In the Czech Republic, the majority of loans granted are special-purpose loans. In the case of a special-purpose loan, the bank specifies exactly what the money can be used for. People most often use a special-purpose mortgage to buy a flat, a family house, a building plot, to finance the construction of a property or its extension, extension or extension. Mortgage loans are also often used to finance renovations, upgrades and repairs to older properties.

The mortgage can also be used for:

purchase of a share of real estate in order to settle co-ownership and inheritance shares,
division of the matrimonial property,
purchase of the cooperative share and payment of the membership share,
refinancing of an existing special-purpose loan.

Non-purpose mortgage loan

A mortgage loan can also be non-purposeful, which means that the borrowed money can be used for anything against the mortgage of a suitable property. This type of loan is known as an American mortgage. People can pledge their own home to the bank, for example, and use the borrowed money to finance their children’s studies and college abroad. An American mortgage carries a higher rate of interest than a conventional purpose-built mortgage.

For a good mortgage