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Vindication

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hyponamiru.cz / Glossaries / Vindication

The word vinculation is derived from the Latin word vinculum, which can be loosely translated into Czech as bond. In practice, a vinculature represents a form of pledge and the related restriction of the right of disposition in favour of a third party. The word vindication is very often encountered in insurance contracts, where the creditor of the insured (e.g. a bank that has granted a loan, a leasing company in the event of a crash of a leased vehicle, etc.) will receive any future payment of the insurance benefit.

Mortgage loan and insurance premium vindication

When taking out a mortgage, the bank will require you to take out insurance on the mortgaged property. This is to make sure that the value of the property is not reduced, for example due to a fire. The insurance must cover at least the basic natural risks and must be endorsed in favour of the bank. In the event of an insured event, it is not the mortgage holder who receives the insurance benefit, but the bank that provided the home loan.

vinkulace

Life insurance vindication

Along with a mortgage, you can take out life insurance to protect your immediate family members. In the event of the death of the breadwinner, the insurance benefit is paid to the immediate family members (e.g. wife, husband, children). The money from the insurance company can then be used to pay off the outstanding part of the mortgage.

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První kroky k nové hypotéce

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Frequently asked questions

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.

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.

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.

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