Go around the banks, you can save on the mortgage and statistics

A year ago, the mortgage years were around those percent. When you go about the same mortgage today, banks will offer it with a year from 4.99 to 5.81 percent. For millions of mortgages, the client honors this difference in his wallet by paying 540 crowns msn incl. And it won’t be better. Experts do not expect rates to fall in the future, those optimists will not expect a sharp increase.

Only Wstenrot went upstream. She decided to even dream of rates for years. Since April, the rate on ptilet fixation has dropped to 4.84 percent, said Helena Dukov of Wstenrot Mortgage Bank.

Differences between banks are growing Differences between years rates, which are offered by individual banks, today are not until last year. It is therefore worthwhile to compare the offers thoroughly first. In the case of five hundred crowns, the difference in the installment has already spent a small amount of 120,000 crowns in 20 years.

For example, a single family, which is worth 4.99 percent for Komern banka and esk spoitelny an year for two million, will get the same mortgage from mBank for 5.81 percent. There is currently a difference of almost a thousand crowns between the cheapest and the most expensive bank in the monthly payment. If the conditions had not changed, he would have done it for a whole period of almost a million.

Banks unify rates
Two unconditionally valid, with no fixation, it was not a year. For example, during fixation, you could get it at a rate of three percent, ptilet u was 4.54 percent. Today, you pay the same year for many banks, and you fix it for a year or ten. Bawag Bank even disadvantaged a one-year fixation for a year.

Komern banka announced a uniform rate of 4.99 percent even for all types of fixations from one to 15 years. Hypoten banka, GE Money Bank and esk spoitelna offer the same high year for one- and five-year fixation.

Fixation change: unpleasantly surprised
If you are among the three hundred thousand who have a fixed period this year, you may be very unpleasantly surprised by the new annual offer in your bank. Especially those who took out a mortgage in 2005, when the years were at its lowest level (hypoindex 3.6 percent).

You can reduce the 2% difference by going to another bank with a mortgage. While last year, three banks offered refinancing as a separate product, today there are eight of them.

Newcomers to the mortgage market
If you know where to go for a mortgage and where to buy more suitable now, you have a choice or not in previous years. At the end of January, mBank began to offer mortgages, as well as a regular insurance company.

esk pojiovna offers its own product in cooperation with Hypoten banka and Raiffeisenbank. According to the director of the mortgage division, Jiho Doubravský, this is a comprehensive mortgage package, which includes insurance of buildings, flats, households, or even liabilities, for which you can charge on insurance premiums in the first year and 50 percent and another six percent permanently bonded for the entire period.

mBank sz on password for free, the absence of fees is un but redeemed for many years. The bank based its existence on the Czech market on a policy of low prices. This is a change in the possibility of personal contact, because all communication with the bank takes place via the Internet. So it’s not a bank for those who have sweat at their control, analyst Markta ichtaov warns.