Mortgage Bank – Mortgage for a house.

 

Mortgage for a family house

Mortgage for a family house

Get your own home, which you can finance through a mortgage for a house from Techniko Bank. Reliable and professional lender for maximum flexibility and favorable interest rates.

The mortgage for a family house is accessible through an online application, with which you can get a mortgage offer tailor-made. In addition, you have enough time to think, because the size of the interest rate is guaranteed for the next 30 days.

Thanks to the variability of the mortgage for a family house, you can set such repayments, which in no way endanger your family budget. Be it due to long maturity or the possibility to ask for money in more people.

Mortgage for a family house from Techniko Bank is also associated with a longer fixation period, so you have a real choice when setting your monthly installment.

Table of installments

Table of installments

the price of a property Loan Amount Loan Amount Interest rate annually Repayment period Monthly installment Fixation time  
CZK 1 300 000 65% 845 000 CZK 2.79% 25 years 3 915 CZK 3 years I am interested in
CZK 3,000,000 70% 2 100 000 CZK 2.79% 20 years 11 427 CZK 5 years I am interested in
4 000 000 CZK 90% CZK 3 600 000 3.29% 30 years 15 747 CZK 5 years I am interested in
7 500 000 CZK 80% 6 000 000 CZK 2.89% 30 years 24 942 CZK 5 years I am interested in

Representative example: Use a mortgage for a family house in the amount of 2 000 000 CZK, whose maturity you spread over 25 years. The mortgage bank will allow you to draw this amount within 12 months of signing the contract, in a single payment. You will be promised an interest rate of 2.79% and a APR of 3.07% with a five-year fixation. Monthly installments will reach CZK 9,463.22. In total, you will pay CZK 2,847,026.66 for your apartment mortgage. Fees related to the loan are as follows: proposal for a lien of CZK 1,000, verification of signatures of CZK 60, for drawing a loan based on the deposit of a lien to the CN CZK 1,900, for the first drawdown of CZK 1,000 from the CN in the amount of CZK 1,500. Regarding repeatable fees, count 196 CZK / month for property insurance and 100 CZK / year for sending confirmation of interest paid.

Advantages of a mortgage:

Advantages of a mortgage:

  1. You can get a mortgage loan of up to 90% of the value of the property.
  2. Monthly installments can be spread over 40 years.
  3. You can choose from a rich number of fixation periods – 1, 3, 5, 7, 10 and 15 years.
  4. Not only an individual but also several people can apply for a mortgage. Altogether up to four people from two different households.
  5. Interest rate guarantee for 30 days from the issue of the mortgage offer.
  6. Without demanding paperwork and unnecessary fees.

Disadvantages of mortgage:

Disadvantages of mortgage:

  1. Low interest rates relate to mortgage loans over CZK 1,000,000 and up to 70% of the value of the property.
  2. In order to obtain more favorable interest, it is also necessary to use the account on condition of income at least 1.5 times the monthly mortgage payment and to take out life insurance.
  3. If you apply for more people, you will be properly creditworthy, but you have to take into account that the risk of default will spread to all involved.

Mortgage conditions:

Mortgage conditions:

  1. The minimum age of the applicant is 18 years
  2. Property to be guaranteed
  3. Regular income

Mortgage insurance options:

Mortgage insurance options:

  1. Loss of employment
  2. Incapacity
  3. Invalidity III. degree due to injury and illness
  4. Death due to accident and illness

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