Hypoúver Invest

with interest rate from 3,59 % p.a.

 

Why keep paying rent and still own nothing?

We will finance 80–90% of the property's value, and you can repay the loan over a period of up to 30 years. Effective 1 July 2026, we are reducing the loan origination fee to EUR 300, payable upon the first drawdown of the loan. Loans with Payment Protection Insurance, refinancing loans, and loans for the purchase of property in a development project with a valuation carried out by UniCredit Bank are provided with no loan origination fee.

remove

EUR

add

EUR

EUR

remove

EUR

add

EUR

EUR

remove

Rokov

add

Rokov

Rokov

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 2-, 3-, 4- and 5- 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 (% per annum – p.a.) include a 0.20% p.a. discount for Payment Protection Insurance and a 0.20% p.a. discount for account activity on the account used for loan repayments. Account activity means monthly credits to the account amounting to at least 1.5 times the monthly annuity payment and at least 3 card transactions per month made with a payment card issued for this account. 

Total loan amount: EUR 60,000
Repayment term: 30 years
Interest rate fixed for 3 years: 3.59% p.a.

The monthly annuity payment is EUR 272.45. The total number of monthly instalments is 361, of which the first instalment is an interest-only payment of EUR 17.95, calculated from the date of loan drawdown until the first repayment date.

The Annual Percentage Rate of Charge (APRC) is 4.56% and includes:

  • Loan origination fee: EUR 0
  • Monthly Payment Protection Insurance fee: EUR 14.98
  • Fee for registering the mortgage lien in the Land Registry: EUR 100
  • Property valuation fee: EUR 250
  • Property insurance fee: EUR 100 per year throughout the entire loan term

The total amount payable is EUR 108,626.60.

The loan is secured by a family house.

The monthly fee for the Štart Account is EUR 4.90.

Back to top
Spinning wheel animation

Loading

UniCredit Logo