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MONETA Money Bank

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hyponamiru.cz / Providers / MONETA Money Bank

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

hyponamíru | 6. 8. 2019

Obsah článku

  • History of the bank
  • Basic parameters of mortgages
  • Advantages of a mortgage with MONETA Money Bank:
  • Discounts provided:
  • Terms and conditions of a mortgage from MONETA Money Bank:
  • Insurance
  • Fees*

History of the bank

MONETA Money Bank was established in 1998. In 2016, following GE’s decision to sell all of its financial divisions, the Czech GE Money Bank went public and became the purely Czech MONETA Money Bank. MONETA doubled its share of the mortgage market in April 2020. The bank also originates non-purpose U.S. mortgages or can consolidate existing loans with a secured mortgage. In 2020, Moneta acquired the Wüstenrot financial group.

Basic parameters of mortgages

With MONETA Money Bank you can arrange a mortgage from CZK 300,000, with no upper limit. The total term of the mortgage can be from 5 to 30 years. The mortgage loan can be repaid up to the age of 70. The mortgage is granted up to 90% LTV.

Advantages of a mortgage with MONETA Money Bank:

  • Flexible repayment of up to 50% of the current mortgage amount each year
  • 30% of the total amount borrowed can be used for whatever you want
  • There are no fees for arranging and maintaining the mortgage
  • The bank offers a mortgage with a savings credit of up to CZK 200,000. The client thus pays less interest if he keeps this financial reserve in the account.
  • Business-oriented bank

Discounts provided:

  • 0.50% discount for using the bank account
  • 0.20% discount for repayment capacity insurance

Terms and conditions of a mortgage from MONETA Money Bank:

  • The only condition is a turnover of 15 000 CZK, otherwise everything is free, no debit operations are required
  • Free withdrawals from MONETA Money Bank ATMs

Insurance

The price is based on the repayment of the mortgage loan.

Option 1: incapacity for work, death, third degree disability, nursing a family member, loss of employment. Price – 8.99% of the instalment.

Option 1+1: incapacity for work, death, third degree disability, nursing a family member, loss of employment (note: applies to two persons insured under a mortgage loan). Price – 16.19% of the instalment.

Fees*

  • Loan processing: free of charge
  • Estimate of the mortgaged property: 2 000 CZK
  • All drawdowns (note and first drawdown): 500 CZK
  • Express drawdown: 1 000 CZK

Note: * as of 25.11.2021

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Frequently asked questions

Can a mortgage be really arranged online?

Obsah článku

  • History of the bank
  • Basic parameters of mortgages
  • Advantages of a mortgage with MONETA Money Bank:
  • Discounts provided:
  • Terms and conditions of a mortgage from MONETA Money Bank:
  • 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 the bank
  • Basic parameters of mortgages
  • Advantages of a mortgage with MONETA Money Bank:
  • Discounts provided:
  • Terms and conditions of a mortgage from MONETA Money Bank:
  • 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 the bank
  • Basic parameters of mortgages
  • Advantages of a mortgage with MONETA Money Bank:
  • Discounts provided:
  • Terms and conditions of a mortgage from MONETA Money Bank:
  • 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.

Do you deal with new mortgages as well as refinancing?

Obsah článku

  • History of the bank
  • Basic parameters of mortgages
  • Advantages of a mortgage with MONETA Money Bank:
  • Discounts provided:
  • Terms and conditions of a mortgage from MONETA Money Bank:
  • 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.

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.