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Scoring

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hyponamiru.cz / Glossaries / Scoring

Every loan applicant goes through a scoring process, or a process in which the bank checks the client’s ability to repay the loan in the long term. It doesn’t matter whether you are applying for a conventional loan, a mortgage or any other loan.

What is scoring?

Scoring is a process whereby the bank verifies the creditworthiness of the loan applicant, i.e. whether he/she will be able to repay the loan properly and on time. It will also help the bank to determine the optimal amount of the loan and monthly repayments.

odklad splátek hypotéky

How is the scoring done?

During the scoring process, the bank compares the applicant’s income and expenses, adds data from the debtor register and obtains an overview of the applicant’s past payment record. What is important for scoring an applicant?

  • Age of the mortgage applicant
  • Records in banking and non-banking registers (Solus, BRKI, NRKI)
  • Occupation
  • Income and expenditure including repayments of all loans and credits
  • Applicant’s marital status including number of children raised
  • Source of income
  • Highest level of education attained

How to improve the applicant’s creditworthiness?

Are you worried that the bank won’t find you fit enough to repay the loan? You can improve your creditworthiness! This is most often a problem for people with lower incomes. How to do it?

  • Pay off a consumer loan with a mortgage
  • Boost your credit rating with one-off rewards at work
  • Renting out your own flat? Provide proof of rental income.
  • A pre-approved mortgage based on account movements can also help entrepreneurs.
Can I get a mortgage?
  • 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.

 

Za lepší hypotékou
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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.

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.

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.