Zero mortgage processing fees – this is now offered by some banks to their new clients. In some cases, it is a significant dispute, which will compensate for the so-called annual rate. Mortgage rates have risen sharply again.

After two quiet months, they were spinning to the rapid growth that began last June and which can be seen on the steep curve in the following graph. The value of FINCENTRUM HYPOINDEX increased by as much as 0.20 percentage point during January and reached 5.54%. Bl thus slowly returned to the level of the chart from January 2003. At that time it reached 5.73%.

See graph

Over the years, rates have risen in line with their external central bank. The actual increase in its key annual rate increased by a quarter of a percentage point, also the two-day repo rate is currently at 3.75%, where it was last in 2002. Further development of year rates is speculated, for mortgage applicants it is more important how the specific rates of vru will be offered to them. Even today, there are banks that have dreamed the rates of some mortgages. It is possible to pay them thanks to zero fees, which some banks have now introduced in the time of limited action offers.

Where you can now save on the mortgage

At the meeting, Nora dreamed of mortgage rates for years esk spoitelna. At the same time, it unified the rate for ron and ptilet fixation on the same vi, offering them all with the same minimum annual rate from 4.99%. This is a prime rate bag that only the most creditworthy clients will get. With it, in its one-year ticket for mortgages, the rate is not guaranteed as two years, that is, it is guaranteed to all clients in the same way.

This week she dreamed of the rates of selected mortgages for years UNDER, unlike S, offer guaranteed rates. Here, too, there has been a unification in the years of rates of some fixations, in particular now SOB sales with the same rates of mortgages with a year and a five-year fixation, the rate of mortgages with a ten-year and a part of the fixation is the same.

The visible dispute is not reduced by the annual rates, but the clients will also receive reduced and canceled fees.

V Raiffeisenbank get a mortgage vr free of charge for its provision to anyone who signs a support contract by the end of June. The offer does not apply to a mortgage without proof of income. Thus, Raiffeisenbank unified years of rates for more fixations. With the same rate, clients get a mortgage with a ron and a seven-year fixation, so the mortgage rates with a fixation for ten and fifteen years are unified.

Rovn Mortgage bank Now offer some mortgages for free. Tk to vr including ptiletka and del fixac, the offer does not relate to a mortgage without a doloen income. The event is limited to the 18th day. The standard fee is otherwise 0.8% of the fee, a minimum of eight thousand crowns, a maximum of 25,000 crowns. Here, too, there has been a unification of some rates, the same for fixes and bags of fixation, and then for all fixations over ten years.

Komern bank has decided to support its Flexible Mortgage. For its benefits, clients typically piplc one hundred crowns msn. As part of the current offer, this fee will not be paid for the entire maturity period by those who arrange the Flexible Mortgage by the end of the year. This product allows the debtor to perform a penalty payment of up to fifty percent without penalty, to increase it by one hundred percent, and to postpone successive installments. Changes can always be made once a year.

January and Norway are unfavorable for mortgages

Among other things, banks are trying to gain clients with these events at a time when interest in mortgages is least. January and especially Norway tend to be the weakest in the whole year from the point of view of the agreed mortgage business. This is proved by the results of the banks in January. Those who provide their data with them negotiated 4,817 new mortgages in the last month in the total amount of 8.20 billion crowns. Which means a decrease of 1,800 vr and a 4.5 billion crowns compared to December. Due to the known knowledge of the demand for mortgages, the comparative value is comparable. In January last year, 5,065 mortgages were agreed in the amount of 8.35 billion crowns, which means that this year’s meeting was slightly lower.

The most popular is the fixation ptilet

At present, mortgage applicants choose the most frequent five-year fixation of the rate years. Rising rates motivate you to fix existing conditions for a long time. In addition, the banks themselves contribute to this, unifying the rates of short and medium-term fixation, as evidenced by the examples. In January, 58 percent of clients chose the five-year fixation, less than 20 percent of the five-year fixation, and only 12.5 percent of the client fixed the one-year rate.

An overview of some data on mortgages agreed during January is given in the following table.

Summary for January 2008 (gives salary for natural persons)

Fixation time
years rates:

all fixations together1 year5 let


5,54 %

5,43 %


Change compared to the last msci
(b. p.)*
+ 20 + 23 + 11
Prmrn ve hypotky (tis. K)1 7032 0231 577
Msn spltka 1mil. mortgages for 20 years (K)6 8996 8376 882
Msn spltka 1mil. mortgages for 15 years (K)8 1908 1328 174
elovost vr:
According to vr for purchase on the total pot, incl60 %72 %58 %
According to vr for construction on the total sweat, incl25 %17 %24 %
According to other vr on the total sweat vr15 %11 %18 %

Source: Fincentrum
* 20 basis points = 0.20 percentage points


FINCENTRUM HYPOINDEX values ​​the development of mortgage prices over time. It is out of the average year rate at which providers are in a given calendar month new mortgages for individuals. The weights are the volumes provided incl. Input data for returns is provided by the following banks: esk spoitelna, SOB, GE Money Bank, Hypoten banka, Komern banka, Raiffeisenbank, UniCredit Bank, Volksbank CZ a Wstenrot hypoten banka.

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