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mBank

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hyponamiru.cz / Providers / mBank

At mBank, you can not only arrange a new mortgage, but also refinance your existing mortgage loan. Find out what benefits it offers, what current discounts you can get and how much you'll pay in fees.

hyponamíru | 6. 8. 2019

Obsah článku

  • History of mBank
  • Základní parametry hypoték
  • Advantages of a mortgage with mBank:
  • Discounts provided:
  • Terms and conditions of a mortgage from mBank
  • Insurance
  • Fees*

History of mBank

mBank came to the Czech Republic in November 2007. It was the first bank to bring a completely new self-service model to its customers, in which the customer managed his daily banking operations himself. This model allowed us to offer the most used banking services to customers completely free of charge. mBank’s approach to its customers has thus caused a real revolution in the banking sector and today mBank ranks among the most important Czech banks with more than half a million customers.

Základní parametry hypoték

With mBank you can arrange a mortgage from CZK 200,000 up to CZK 15 million. The maturity of the mortgage loan is from 5 to 40 years (note that the maturity longer than 40 years is approved individually, the bank can grant a limited number of such mortgages with longer maturity in accordance with the regulations of the CNB and in accordance with the strategy of the Polish headquarters). The mortgage can be repaid up to the age of 70. The mortgage loan is granted up to 90% LTV.

Advantages of a mortgage with mBank:

  • Mortgage maturity up to 40 years in certain cases
  • Up to 30% non-interest portion of the mortgage amount
  • One of the best banks for construction, where the client does not have to prove his own resources ready for construction
  • mBank offers clients a turnover mortgage
  • The best bank for financing foreigners

Discounts provided:

Discount of 0.65% granted to clients with another mBank loan product (mPůjčka Plus, mPůjčka Pro or mBank credit card) that has not defaulted in the last 6 months.

Terms and conditions of a mortgage from mBank

  • The only condition – turnover 15 001 CZK, otherwise everything is free
  • Free withdrawals from all ATMs in the Czech Republic

Insurance

mBank offers 2 types of insurance. The insurance covers the risks of disability of the 3rd degree due to accident or illness and death due to accident or illness.

What is the amount of the premium?

A) Basic premium model:

For the first 24 months, the premium is 1.5% of the loan amount. How can you pay it?

  • NaIncrease your required mortgage loan amount, so the fee is spread over regular monthly payments
  • On the date of the first drawdown, the premium may be automatically debited from the principal applicant’s personal mAccount

Thereafter, from the 25th month onwards, the premium corresponds to 0.025% of the outstanding loan amount. The premium is deducted on the date of the regular mortgage payment.

B) Optional premium model for LTV above 80%:

  • Monthly premium from the start of insurance of 0.05% of the outstanding loan amount
  • The premium is deducted on the day of the regular mortgage payment

Fees*

  • loan processing: 0 CZK
  • Estimate of the mortgaged property: from 3 800 CZK
  • Credit drawdown: 0 CZK
  • Each additional drawdown: 0 CZK
  • Drawing on the seal: 0 CZK

Note: * as of 22 December 2021

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Další články

UniCredit Bank

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Hypoteční banka

Komerční banka

Stavební spořitelna České spořitelny

  • Online mortgage arrangement
  • Online mortgage specialist support
  • Better conditions
  • User-friendly mortgage banking

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Frequently asked questions

Do you deal with new mortgages as well as refinancing?

Obsah článku

  • History of mBank
  • Základní parametry hypoték
  • Advantages of a mortgage with mBank:
  • Discounts provided:
  • Terms and conditions of a mortgage from mBank
  • Insurance
  • Fees*

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?

Obsah článku

  • History of mBank
  • Základní parametry hypoték
  • Advantages of a mortgage with mBank:
  • Discounts provided:
  • Terms and conditions of a mortgage from mBank
  • Insurance
  • Fees*

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?

Obsah článku

  • History of mBank
  • Základní parametry hypoték
  • Advantages of a mortgage with mBank:
  • Discounts provided:
  • Terms and conditions of a mortgage from mBank
  • Insurance
  • Fees*

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.

How long does it take to arrange a mortgage?

Obsah článku

  • History of mBank
  • Základní parametry hypoték
  • Advantages of a mortgage with mBank:
  • Discounts provided:
  • Terms and conditions of a mortgage from mBank
  • Insurance
  • Fees*

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.

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.