Financing

A flat can be financed from your own funds or through a combination of your own resources and a mortgage loan, according to the payment schedules listed below.

Comprehensive mortgage financing services are provided for us exclusively by our long-standing partner HYPOASISTENT s.r.o. They will arrange favourable, tailor-made conditions, put together the necessary documents and guide you through the whole process. You will receive the best current offer on the market from professionals, without any worries.

Basic

payment schedule

  • 20% upon signing the future purchase contract
  • 15% after completion of load-bearing structures
  • 15% after completion of the shell construction
  • 35% after completion of plastering and screeds in the unit
  • 15% after final building approval

Hypo

payment schedule

  • 20% upon signing the future purchase contract
  • 30% after completion of the shell construction and registration of the owner's declaration for units under construction
  • 35% after completion of plastering and screeds in the unit
  • 15% after final building approval

Individual

payment schedule

  • 20% upon signing the future purchase contract
  • 80% after final building approval

Instalment schedule with an increased purchase price.

Mortgages with the assurance of the best conditions

We know that securing favourable financing is crucial when buying a property. That is why we have prepared the most economical mortgage for purchasing a new home, without unnecessary paperwork.

HYPOASISTENT will help you choose the right product (rate comparison, investment mortgages, mortgages for entrepreneurs, 90% mortgages, etc.), advise on the type of interest rate and assist with preparing all documents.

It will also arrange the appraisal of the purchased property and communication with the cadastre and the bank.

You will find the offers of all the banks under one roof and can take advantage of special packages of preferential conditions for project clients:

  • reduced interest rate
  • no mortgage processing fee
  • option of extraordinary mortgage repayments
  • free appraisal of the purchased property

If you are considering financing through a mortgage, the mortgage calculator will help you with a quick indicative calculation.

Mortgage calculator

Ing. Hana Vojáková

Mortgage financing

vojakova@hypoasistent.cz
+420 731 650 580

Petr Havril

Mortgage financing

havril@hypoasistent.cz
+420 605 110 458

Apartment purchase process

  1. 01

    Information meeting

    The sales agent will introduce the project, the location and the available units, and will offer a verbal reservation for a few days so that you can consider the purchase parameters carefully.

  2. 02

    Signing the Reservation Agreement (RS)

    If you prefer to sign a Reservation Agreement first, that is possible — for example, while you are arranging mortgage financing.

  3. 03

    Signing the Future Purchase Agreement (SoSBK)

    The Future Purchase Agreement defines in detail the conditions under which the Purchase Agreement will later be concluded between the buyer and the seller. A template of it is attached to this agreement. The Future Purchase Agreement is concluded in the CASH or HYPO variant, depending on the type of financing.

  4. 04

    Selection of standards, option of client changes

    On the basis of the signed Future Purchase Agreement and the paid deposit, the buyer selects from the range of standard elements or may make use of client changes.

  5. 05

    Inspection of the flat before handover

    At an advanced stage of construction, when safety rules allow it, we will arrange a viewing of the apartment. The viewing serves mainly to check the condition of the unit and to record any defects and unfinished work, so that these can ideally be remedied before handover.

  6. 06

    Signing the Purchase Agreement

    We will invite the client in writing to conclude the Purchase Agreement once the conditions set out in the Future Purchase Agreement are met. The Purchase Agreement is then filed with the Land Registry. The ownership title is registered after the protective 21-day period at the earliest.

  7. 07

    Handover of the flat incl. accessories

    We will invite you to take over the unit together with its accessories within the stipulated period, after the Purchase Agreement has been signed and the purchase price paid in full.