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Property value

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hyponamiru.cz / Glossaries / Property value

Any mortgage must be secured on a suitable property. This is most often a flat, family house or building plot. The collateral in the form of real estate must be of sufficient value to the bank. The value of the mortgaged property is calculated by the bank’s internal or external valuer. Obtaining a mortgage can be complicated if the value of the property as determined by the valuer is significantly lower than the agreed purchase price.

Banks ascertain the mortgage value of the property

The mortgage value of the property for the bank is not necessarily equal to the market value of the property. The appraiser determines the price customary in the place and time. Each bank has its own internal guidelines and conditions under which it measures the calculated mortgage value of the property against the amount of the mortgage requested.

Renovation increases property value

The value of a property is mainly influenced by its location, then its overall technical condition, size, orientation or internal layout. In the case of flats, the condition of the entire apartment building, the floor on which the flat is located or the availability of parking near the building also affects the price. The value of the property is also increased by complete reconstruction, including, for example, replacement of wiring, replacement of windows or insulation of the house.

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První kroky k nové hypotéce

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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.