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NRKI

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hyponamiru.cz / Glossaries / NRKI

A non-bank register of customer information maintained by financial institutions where they are not banks but provide loans. The NRKI, as this register is abbreviated, contains the same range of information as the BRKI, but in addition, it also contains data on loans granted to legal persons.

How to get an extract from the NRKI?

A statement from the register will give the financial institution you are applying to an overview of all the loan products you are currently taking out, have taken out in the last 4 years or are currently applying for. It also lists any exceptional repayments and information about repayments that have not been made in accordance with the agreed terms.

Banks do not ask for such a statement, they can look up the information themselves. However, if you need a statement from NRKI, there are three ways to get it, so expect a fee.

  • You can request a statement online, via the portal https://kolikmam.cz/
  • You can collect your statement in person at the CRIF Client Centre in Prague 4. You will need proof of identity, ideally a Citizen’s ID card.
  • You can request a statement from the register in writing by cash on delivery.
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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

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.

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.