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Standing order

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hyponamiru.cz / Glossaries / Standing order

With a standing order, you, as the current account holder, give your consent to make a recurring payment. Examples of such payments include monthly payments for various loans and credit, utility bill payments, and television or radio fees. You can also set up a standing order for a regular mortgage payment. This is the only way to make sure you don’t forget to send the payment.

Setting up a standing order

The very first time you set up a standing order, you need to know the recipient’s bank account number and bank code. For mortgages, the account number is specified in the loan agreement. Next, you need to fill in the correct amount, the date the first, regular and last instalments are sent, select the frequency of recurrence (note monthly) and also enter the variable symbol. These details can be found in the mortgage contract. If you are sending money from a bank other than the one where the mortgage is held, set up a standing order at least two to three days before the desired due date. This will avoid the inconvenience of late payment.

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Keep a financial reserve

Keep an eye on your available balance in your current account. A payment can only leave your account if there is enough money in it. If your monthly mortgage payment does not leave your account, most banks will first notify you by email or text message that the payment has not been made. If you pay the outstanding amount promptly, you will avoid reminders and penalties.

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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.

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.

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.

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.

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