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Hypoúver Invest

Mortgage loan from 3,09 % p.a.

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Hypoúver Invest

WHY PAY RENT AND STILL OWN NOTHING? BUY YOUR OWN PROPERTY AND WE WILL HELP YOU FIX YOUR INSTALMENTS SO THAT THEY ARE NOT AN UNNECESSARY BURDEN FOR YOU.

  • Low interest rate with the possibility of 3-, 4-, 5-, 7- and 10-year fixation
  • No fee for providing the loan
  • No proof of income required
  • Original expert opinion on the completed property is accepted
  • A loan of up to 90 % of the value of the property accepted by the bank
  • Insurance of the ability to pay the loan with a choice of insured risk
  • Loan instalments may be broken down to as many as 30 years
  • Possibility of insuring the pledged property directly in the bank’s point of sale

Loan amount:

  • min. EUR 3,300 and max. of 90 % of the value of the pledged property.

For loans over 80 % of the value of the pledged property, there is a limit that the bank can only provide such loans at 20 % of all loans provided by the bank in a calendar quarter.

Loan purpose:

  • acquisition of domestic property or its part (including settlement of property in joint ownership),
  • construction or alteration of completed buildings,
  • maintenance of domestic property,
  • repayment of the loan, used for the purposes under points 1 - 3
  • combination of purposes under points 1 - 4 with the general-purpose of the loan: if the loan amount does not exceed 80 % of the value of the collateral, 40 % of the loan amount may be used without proving the purpose

Loan maturity

  • Min. 1 year and max. 30 years
  • The terms and conditions for drawing down the loan are specified in the loan agreement; the bank allows the loan to be drawn subject to these terms and conditions within 5 days after submitting the client’s request for drawdown.
  • As for single drawdown of the loan (purchase of property, repayment of another loan), the time-limit for meeting the terms and conditions is 6 months.  As for gradual drawdown of the loan (construction, reconstruction), this time-limit is 18 months. 
  • flat,
  • detached house,
  • another housing property,
  • land with a building permit issued for the construction of a detached house,
  • land which, in accordance with the zoning decision, is earmarked for the construction of detached houses.

Representative example for a mortgage loan with payment protection insurance:

The stated interest rates in % per annum (p.a.) include a discount of 0.20% p.a. for payment protection insurance and a discount of 0.20% p.a. for account activity. Account activity is defined as a monthly incoming payment of at least 1.5 times the annuity instalment to the account from which the loan is repaid, and the execution of at least 3 card payments per month using a card issued for this account.

A loan in the amount of €60,000 with a 30‑year repayment period, at an interest rate fixed for 3 years at 3.09% p.a., will be drawn on the day preceding the due date of the first instalment. The monthly annuity instalment is €255.88. The total number of monthly instalments is 361, of which the first instalment consists solely of interest calculated from the drawdown date to the first instalment date, in the amount of €15.45.

The Annual Percentage Rate of Charge (APR) is 4.04% and includes: Monthly loan administration fee: €0

  • Monthly payment protection insurance fee: €14.07
  • Fee for registering the mortgage lien in the land registry: €100
  • Property valuation fee: €250
  • Property insurance fee: €100 per year for the entire loan term
  • Monthly account maintenance fee for the Start account: €4.90

The total amount you will have to pay is €102,332.60.
The loan is secured by a residential house.

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