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

mBank

Chci novou hypotéku
Chci refinancovat
pokus3

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

Chci koupit bydlení
Chci refinancovat

Další články

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

Who most often arranges a mortgage online in the Czech Republic

Online mortgages in the Czech Republic are most often arranged by people between the ages of 30 and 44. The main motivation for arranging a…

Roman Muller | 16. 3. 2022 | 3 minuty to read

How to handle refinancing in 2022

Mortgage interest rates are now significantly higher than in recent years. Those whose agreed fixation period ends this year must expect a higher monthly mortgage…

Roman Muller | 9. 3. 2022 | 3 minuty to read

HypoNews: Dawn of building savings, assessment of the “covid” flat tax#February2022

Online mortgage specialist Filip from hyponamíru, brings you this year's second installment of HypoNews, your guide to the world of mortgages. As always, you will…

Ing. Filip Křivánek | 16. 2. 2022 | 5 minuty to read

Mortgage and flat tax

According to the Ministry of Finance, approximately 78,000 self-employed entrepreneurs are currently using the so-called flat-rate tax. These flat-rate tax payers do not file tax…

Roman Muller | 16. 2. 2022 | 5 minut to read

Trend of building savings

Building savings is one of the most popular financial products in the Czech Republic, and interest in it was record last year. According to the…

Roman Muller | 10. 2. 2022 | 3 minuty to read

Big survey of the real estate and mortgage market – what was the second half of 2021

The interest of Czechs in buying real estate was record-breaking last year. A recent survey by fintech startup hyponamir among representatives of selected real estate…

Roman Muller | 1. 2. 2022 | 5 minut to read

Daň z nabytí nemovitosti

Mortgage for self-employed and entrepreneurs

There are currently more than one million entrepreneurs in the Czech Republic who have self-employment as their main source of income. These entrepreneurs, like employees,…

Roman Muller | 22. 1. 2022 | 5 minut to read

HypoNews: Mortgage strategies in 2022, Refinancing#January2022

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

Ing. Filip Křivánek | 19. 1. 2022 | 5 minuty to read

How to prepare for mortgage refinancing

When you refinance your mortgage, you can save a very interesting amount on your repayments. If you decide to refinance, remember that it's not enough…

Roman Muller | 18. 1. 2022 | 3 minuty to read

New rules for mortgages from 1 April 2022

Effective 1 April 2022, the Czech National Bank has tightened the limits of credit indicators for mortgage lending. The stricter conditions will make it more…

Roman Muller | 10. 1. 2022 | 3 minuty to read

Property tax: when and how to pay it?

Last year, the interest in real estate was enormous. Anyone acquiring ownership of a property in 2021 must file a real estate tax return by…

Roman Muller | 7. 1. 2022 | 3 minuty to read

  • 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

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

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.

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.

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.

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.