Skip to content
header_logo
  • Mortgage calculator
  • Articles
  • Mortgage
  • Career
  • Our team
  • Log In

Variable mortgage

New mortgage
Refinance
Hroch
Rate from
5,69 %

hyponamiru.cz / Glossaries / Variable mortgage

A variable mortgage is sometimes referred to as a floating mortgage or a mortgage. How does it differ from a conventional mortgage? It does not follow a standard interest rate fixation. It is variable and changes depending on PRIBOR.

What is a variable mortgage

Variable mortgage is a specific type of mortgage loan, its interest is based on the PRIBOR (Prague InterBank Offered Rate), which is a special type of interest at which banks lend to each other in the domestic interbank environment.

The PRIBOR rate changes regularly. The Czech National Bank publishes it every working day after 1 p.m. on its website. The rate is rounded to two decimal places.

Vývoj hypotečního trhu v roce 2021

Each instalment can be different for a variable mortgage

This is also one of the specifics of a variable mortgage. The amount of the repayment can vary, so you pay more one month and less the next. The interest rate is based on the rates announced by the CNB and changes according to the current situation on the financial market.

Calculate the repayment amount
  • Online mortgage arrangement
  • Online mortgage specialist support
  • Better conditions
  • User-friendly mortgage banking

CZK0

That's how much we gave out to our clients in bonuses ?

Wrote about us

★ ★ ★ ★ ★
Rating: 4.9 | 10 reviews
All reviews
More articles

Don't miss

Mortgage should be chosen with a strategy in mind

A mortgage is always a long run. Before you start looking for a mortgage, work with a mortgage specialist to develop a suitable strategy.

zulevic | 23. 5. 2022 | 3 minuty to read

HypoNews: arranging an online mortgage, mortgage for foreigners#March2022

Hyponamíru, the online mortgage and online refinance specialist, brings you this year's third installment of HypoNews, your guide to the world of mortgages. As always,…

Ing. Filip Křivánek | 29. 3. 2022 | 5 minuty to read

Mortgage for foreigners: how to get it?

Foreigners can also apply for a mortgage to purchase their own property in the Czech Republic. Each bank follows its own methodology when assessing mortgage…

Roman Muller | 28. 3. 2022

How to sell a property for which there is a mortgage

There are a number of reasons that lead people to sell a mortgaged property. If you are now planning to sell your apartment or family…

Roman Muller | 24. 3. 2022 | 5 minut to read

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
logo bez pozadi

– For better mortgage

Hanusova 1411/18 | 140 00 Prague |  info@hyponamiru.cz | 800 688 388 | Branches and contacts

  • hyponamiru_mala_ikona

    FAQ

  • hyponamiru_mala_ikona

    Glossary of terms

  • hyponamiru_mala_ikona

    Representative example

  • hyponamiru_mala_ikona

    Guide

  • hyponamiru_mala_ikona

    Partners

  • hyponamiru_mala_ikona

    Watchdog

  • hyponamiru_mala_ikona

    Published about us

  • hyponamiru_mala_ikona

    Press kit

  • hyponamiru_mala_ikona

    Reviews

  • hyponamiru_mala_ikona

    Privacy policy

  • hyponamiru_mala_ikona

    Cookies

  • hyponamiru_mala_ikona

    Terms and conditions

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.

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.

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.

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.