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UniCredit Bank

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hyponamiru.cz / Providers / UniCredit Bank

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

hyponamíru | 6. 8. 2019

Obsah článku

  • Benefits of UniCredit Bank
  • UniCredit Bank mortgage discounts
  • Terms and conditions of accounts from UniCredit Bank
  • Types of insurance and their coverage
  • UniCredit Bank fees for mortgage services

UniCredit Bank has been operating on the Czech market for more than 13 years. It is a strong and important European bank, which, in addition to the Czech Republic, operates in a number of other Central and Eastern European countries. In terms of the number of clients, it is one of the medium-sized banks in the Czech Republic. Currently, more than 700 thousand clients use their services. The range of products and services offered by UniCredit Bank is very wide – for example, it provides clients with current accounts, credit cards, mortgages, loans, savings and term accounts, and investment advisory services. You can arrange a mortgage from UniCredit Bank online at hyponamiru.cz.

Benefits of UniCredit Bank

  • Free mortgage management
  • Free mortgage processing for refinancing
  • For a mortgage with repayment capacity insurance, the bank refunds the appraisal fee to the client
  • Reconstruction up to CZK 500,000 without proving reconstruction works
  • “Accelerated construction” service, under which CZK 500,000 above the current mortgage value can be obtained from the bank in the first drawdown
  • Simplified refinancing without proof of income if the conditions are met
  • Additional part of the loan up to CZK 1,000,000 for equipment
  • Option to redeem consumer loans directly from a home mortgage
  • Can refinance an existing mortgage up to 2 years before the end of the fixation period
Spočítat hypotéku

UniCredit Bank mortgage discounts

0.2% – discount for repayment protection insurance (PPI)

Terms and conditions of accounts from UniCredit Bank

U Konto:

  • Full payment service free of charge if the turnover condition of CZK 12,000 is met
  • Free withdrawals from all ATMs in the Czech Republic
  • Free withdrawals from all ATMs abroad
  • The terms of the account are guaranteed by the bank for 10 years

U konto Premium:

  • Opening and maintenance of a CZK account and the possibility of maintaining 2 more accounts in CZK or foreign currency
  • Banker available on the phone 24 hours
  • Free up to 3 payment cards with the possibility of connecting to both crown and foreign currency accounts
  • Free domestic and international withdrawals
  • Year-round discounts and rewards for purchases at more than 150 merchants across the Czech Republic
  • Free Visa Gold credit card within the account with a limit of up to CZK 500,000, suitable as a travel reserve

Types of insurance and their coverage

The bank cooperates with Generali Česká pojišt’ovna a. s.

Monthly insurance

  • Paid by monthly payments
  • Monthly payment amount = 0.03% of the original mortgage amount

Package A

Death insurance – the insurance company pays the bank a lump sum insurance benefit in the amount of the debt balance on the date of the insured’s death.

Incapacity for work – in the event of incapacity for work longer than the 60-day withdrawal period, the insurance company pays the bank the instalments on behalf of the client, up to a maximum of 12 instalments.

Package B

Death insurance – the insurance company pays the bank a lump sum insurance benefit in the amount of the debt balance on the date of the insured’s death.

Permanent disability – the insurance company pays the bank a lump sum insurance benefit in the amount of the balance of the debt calculated as of the date the client was declared permanently disabled.

One-off insurance

  • Prepayment is made at the beginning for the entire policy period
  • Paid for from the client’s own resources or by increasing the mortgage frame
  • Price = 3.30% of the agreed initial loan amount
  • Subscription is for 5 years
  • The discount for the insurance subscription remains for up to 10 years, although the insurance lapses after 5 years

Package A

Death insurance – the insurance company pays the bank a lump sum insurance benefit in the amount of the debt balance on the date of the insured’s death.

Incapacity for work – in the event of incapacity for work longer than the 60-day withdrawal period, the insurance company pays the bank the instalments on behalf of the client, up to a maximum of 12 instalments.

Package B

Death insurance – the insurance company pays the bank a lump sum insurance benefit in the amount of the debt balance on the date of the insured’s death.

Loss of employment – the insurance does not cover loss of employment arising from termination of employment voluntarily or during the probationary period or if the client knew about the termination date before the agreement. It covers for redundancy, job termination or health reasons. The insurance company will pay 6 monthly instalments on behalf of the client.

Package C

Death insurance – the insurance company pays the bank a lump sum insurance benefit in the amount of the balance of the debt on the date of the insured’s death.

Permanent disability – the insurance company pays the bank a lump sum insurance benefit in the amount of the balance of the debt calculated on the date the client was declared permanently disabled.

UniCredit Bank fees for mortgage services

Feesdirectly at the bankwith hyponamiru
Mortgage processingfree for refinancing/2 900 CZK for other purposesfree
Express drawdown1 900 CZKfree
Accelerated constructionCZK 1,000 per month until the value of the property increases to the required amountfree
First drawdown freefree
Second and further drawdowns900 CZKfree

Express drawdown – drawdown as early as the second day after the pledge agreement is filed with the relevant land registry.

Accelerated construction – the possibility of drawing CZK 500,000 above the current value of the property.

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Frequently asked questions

Can a mortgage be really arranged online?

Obsah článku

  • Benefits of UniCredit Bank
  • UniCredit Bank mortgage discounts
  • Terms and conditions of accounts from UniCredit Bank
  • Types of insurance and their coverage
  • UniCredit Bank fees for mortgage services

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.

Do you deal with new mortgages as well as refinancing?

Obsah článku

  • Benefits of UniCredit Bank
  • UniCredit Bank mortgage discounts
  • Terms and conditions of accounts from UniCredit Bank
  • Types of insurance and their coverage
  • UniCredit Bank fees for mortgage services

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.

How long does it take to arrange a mortgage?

Obsah článku

  • Benefits of UniCredit Bank
  • UniCredit Bank mortgage discounts
  • Terms and conditions of accounts from UniCredit Bank
  • Types of insurance and their coverage
  • UniCredit Bank fees for mortgage services

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

  • Benefits of UniCredit Bank
  • UniCredit Bank mortgage discounts
  • Terms and conditions of accounts from UniCredit Bank
  • Types of insurance and their coverage
  • UniCredit Bank fees for mortgage services

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.