Price List
- Loan preparation
- Mortgage and pre-mortgage loan processing
- Mortgage loan and pre-mortgage loan administration
- Changes in the contractual terms and conditions
- Other services
- Hypoteční banka Credit Card
New Price List for Private Indiduals from February 1, 2011
Price List
Loans for private individual effective from August 1, 2011
New Price list for private individual effective from February 1, 2012
- Loan preparation
- Mortgage and bridging (pre-mortgage) loan processing
- Drawing and extraordinary instalments
- Mortgage and bring loan administration
- Other services
| Loan preparation | |||
|---|---|---|---|
| F.1. | Guaranteed interest rate for 30 days | free of charge | |
| F.2. | Risk and collateral value (real estate) analysis | ||
| F.2.1. | Housing unit – express appraisal of a flat | free of charge | |
| F.2.2. | Housing unit – based on client’s electronic documentation | CZK 1,900 | |
| F.2.3. | Housing unit, non-residential premises – standard appraisal | CZK 3,500 | |
| F.2.4. | Family house or building for individual recreation (inc. land) and individual land | CZK 4,500 | |
| F.2.5. | Other types of real estate | individually from CZK 5,000 | |
| A document proving the payment of the fee must be attached to the Lending Process Documents Application. The analysis is used for internal purposes only. | |||
| Mortgage and bridging (pre-mortgage) loan processing | |||
| F.3. | Mortgage loan processing (incl. debt assumption) | 0.6 % of the loan provided | |
| min. CZK 4,000 | |||
| max. CZK 18,000 | |||
| The fee includes a comprehensive review and assessment of a loan and preparation of contractual documentation. The loan processing fee is only charged if the loan is approved. | |||
| F.4. | Bridging loan processing | CZK 2,000 | |
| The fee includes a comprehensive review and assessment of a bridging loan and preparation of contractual documentation. The loan processing fee is only charged if the loan is approved. | |||
| F.5. | Simplified refinancing | free of charge |
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| A fee for mortgage loan processing and analysis of risks and collateral value are included. | |||
| F.6. | Remote procuring of the certificate of ownership title and extract from the cadastral map during the negotiation of the loan before the mortgage or bridging loan is signed |
free of charge |
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| F.7. | Commitment to provide a mortgage loan | free of charge | |
F.8. |
Above standard advisory services | min. CZK 250 / 30 minut | |
| The fee is charged for each commenced half hour of consultancy beyond standard services. | |||
| Drawing and extraordinary instalments | |||
| F.9. | Drawing | ||
| F.9.1. | The first three operations | free of charge | |
| F.9.2. | The fourth and any other drawing | CZK 800 |
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| If a loan is drawn as a payment to a foreign country other fees will be charged according to Paragraph F.35. | |||
| F.9.3. | Permission to draw a mortgage loan against a motion to register a lien in the Land Register as stipulated in the mortgage loan agreement. |
CZK 1,500 | |
| The fee is charged only once and is due along with a fee for mortgage loan processing or a fee for changes in the contractual terms and conditions. | |||
| F.9.4 |
Releasing funds the next day after submitting a proposal to approve drawing if the contractual terms and conditions are fulfilled | CZK 2 000 |
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| F.10. | Construction status report | ||
| F.10.1. | Express construction status report (based on the client’s electronic documents) | free of charge |
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| F.10.2. | Construction status report by an internal bank expert | CZK 1,200 | |
| The report is used for bank internal needs only. The fee is due within 10 days of submitting the Lending Process Documents Application – Real Estate Appraisal. | |||
| F.11. | Reserving funds for mortgage loans with a drawing period of more than 6 months | 0.5% p.a. of the unused loan facility | |
| The fee is paid at the end of the month, starting with the month after the expiry of 6 months from concluding a Mortgage Loan Agreement (however, if the mortgage loan is combined with a bridging loan, from the month after starting to draw the mortgage loan at the earliest). | |||
| F.12. | Incomplete drawing of a mortgage or bridging loan | ||
| F.12.1. | Incomplete drawing of a bridging loan | free of charge | |
| F.12.2. | Incomplete drawing of a mortgage loan of not more than CZK 10 million: the unused amount is more than 20% of the mortgage loan or exceeds CZK 1 million (applicable to loan mortgage agreements concluded from February 1, 2009) | 5% of the unused loan facility | |
| F.12.3. | Incomplete drawing of a mortgage loan of not more than CZK 10 million: the unused amount is more than 50% of the mortgage loan or exceeds CZK 1 million (applicable to loan mortgage agreements concluded by January 31, 2009) | 5% of the unused loan facility | |
| F.12.4. | Incomplete drawing of a mortgage loan of not more than CZK 10 million: the unused amount is more than 10% of the mortgage loan | 5% of the unused loan facility | |
| This fee is not charged if a Green Mortgage is not completely drawn or if a portion of the loan is drawn from SFRB (State Housing Development Fund) according to NV No. 616/2004 Coll. or NV 28/2006 Coll. and the unused amount equals the portion allocated from SFRB or the subsidy from the Green Light to the Savings Programme. This applies if provision of a SFRB or a Green Mortgage is stipulated in the Loan Application. | |||
| F.13. | Repayment of a bridging loan on the due date from resources other than from a mortgage loan at Hypoteční banka | 5 % of the outstanding loan principal | |
| The fee does not apply to bridging loans for co-operative housing; it applies to Bridging Loan Agreements concluded by December 31, 2010. | |||
| F.14. | Extraordinary instalment of a mortgage or supplementary loan not stipulated in the loan agreement. | 5% of the extraordinary instalment for each commenced year before the fixed deviation expires, max. 25 % of the extraordinary instalment |
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| The fee does not apply to a Mortgage Loan for Co-Operative Housing concluded by December 31, 2010 and an American Mortgage | |||
| F.15. | Extraordinary loan instalment when the interest rate is changed | Free of charge |
|
| F.16. | Extraordinary loan instalment stipulated in the mortgage loan agreement | 1 % of the agreed loan principal |
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| The total amount of extraordinary instalments paid in accordance with the loan agreement must not exceed 50% of the mortgage loan. The fee is payable concurrently with a fee for mortgage loan processing or a fee for changes in contractual terms and conditions. The fee does not apply to American Mortgages. It also does not apply if extraordinary instalments are parts of a product (combined products). | |||
| F.17. | Extraordinary instalment of a Green Mortgage not exceeding the subsidy from the Green Light to Savings Programme (if such an instalment is agreed and the contractual terms and conditions are fulfilled) | free of charge |
|
| Mortgage and bridging loan administration | |||
| F.18. | Loan maintenance and administration | ||
| F.18.1. | Loan maintenance and administration | CZK 150/month | |
| The fee is collected for each commenced month from the date of the loan agreement until the principal is fully repaid. | |||
| F.18.2. | Maintenance and administration of a mortgage loan with state financial support or guarantee or a contribution to the payment of interest from ČMZRB, a.s. | CZK 220/month | |
| The fee applies to loans to which state financial support is provided according to government Decree No. 244/1995 Coll. or a contribution for young people according to government Decree No. 249/2002 Coll. which is above 0 %. The fee is collected monthly beginning with the month in which a contract for support or a contribution or guarantee is concluded. | |||
| F.19. | Procuring a certificate of ownership title by remote access | CZK 100 per page | |
| The fee is charged as a single fee | |||
| F.20. | Priority payment | CZK 200 per item | |
| F.21. | Current account transaction | CZK 5 | |
| F.22. | Delivering a new interest rate conditions notice | free of charge | |
| F.23. | Account statement delivery | ||
| F.23.1. | Account statement sent by e-mail | free of charge | |
| F.23.2. | Account statement sent by post – Czech Republic | CZK 20 | |
| F.23.3. |
Account statement sent by post – foreign countries | CZK 30 | |
| F.24. | Confirmation of interest paid |
CZK 100 (incl. 20% VAT) | |
| F.25. | Changes in contractual terms and conditions at the client’s request | ||
| F.25.1. | Changes in collateral by a supplement to the agreement | min. CZK 4,000 | |
| F.25.2. | Postponement of the due date of a bridging loan | min. CZK 5,000 | |
| F.25.3. | Other changes by a supplement to the agreement | min. CZK 2,000 max. CZK 10,000 |
|
| F.25.4. | Shifting to direct debit to repay a loan when the interest rate is changed | free of charge | |
| F.25.5. | Changes by a bank notice | CZK 300 | |
| The fee applies to each change in the contractual document made by a supplement to the agreement or a notice of the bank. The fee is payable before the notice is issued. | |||
| F.26. | Request to pay a due amount or other obligations | ||
| F.26.1. |
Informative SMS about insufficient funds in the account for loan repayment | free of charge | |
| F.26.2. | First message | CZK 500 | |
| F.26.3. | Second message | CZK 500 | |
| F.26.4. |
Third and any other message | CZK 1,000 | |
| The fee is payable at the end of the month in which the call is sent. | |||
| F.27. | Penalty interest | ||
| F.27.1. | Penalty interest on a late payment of the loan principal | Repo rate* + 7 % p. a. |
|
| F.27.2. | Penalty interest on a late payment of interest, fees, contractual penalties and charges | Repo rate* + 7 % p. a. |
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| *The Repo rate is set by Czech National Bank for the last day of the calendar half-year, immediately prior to the calendar half-year during which the late payment occured | |||
| F.27.3. | Penalty interest on a late payment of the loan principal | 15 % p. a. ** |
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| F.27.4 | Penalty interest on a late payment of interest, fees, contractual penalties and charges | Interest rate according to the mortgage loan agreement increased by 15 % p.a. ** |
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** This applies to Mortgage or Bridging Loan Agreements concluded by December 31, 2010 |
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| F.28. | Reassessment of the borrower’s financial situation (client’s request to change the product/ services) | CZK 2,000 | |
Other services |
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| F.29. | Loan insurance | ||
| F.29.1. | Variant 1 – Death, full disability insurance | Individually | |
| F.29.2. | Variant 2 – Death, full disability and working disability insurance | Individually | |
| F.29.3. | VVariant 3 - Death, full disability, working disability and loss of employment insurance | Individually | |
| F.29.4. | Change in the insurance variant – from a higher to a lower variant | CZK 200 | |
| F.30. | Real estate insurance, household insurance | Individually | |
| F.31. | Declaration of conditions for waiving a lien or waiving a lien by a written declaration | CZK 1,000 | |
| The fee is payable at the end of the month in which the declaration is sent. The fee is not charged if the declaration is issued on the bank’s initiative. | |||
| F.32. | Banker’s reference or a report on the client’s personal data filed at the bank | CZK 1,000 (incl. 20% VAT) | |
| The fee is payable before the reference/report is issued. | |||
| F.33. | Other acts (photocopy of a document, account statement etc.) | CZK 300 /act | |
| F.34. | Non-documentary payments to foreign countries in CZK and foreign currencies and in the CR in foreign currencies | ||
| F.34.1. | Payments to debit the client’s account at Hypoteční banka (the fee includes telecommunication expenses) |
1 % of the amount transferred | |
| min. CZK 250 | |||
| max. CZK 1,800 | |||
| F.34.2. | Changes, amendments, cancelling a payment order before it is carried out at the client’s request, or returning a non-processed payment order | CZK 100 | |
| F.34.3. | Complaint of a foreign bank due to incomplete or unclear client instructions (plus potential expenses of foreign banks) | CZK 600 |
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| F.34.4. | Changes, and amendments and cancelling a payment order after it is carried out at the client’s request (plus potential expenses of foreign banks) | CZK 600 | |
| F.34.5. | Complaint about a payment at the client’s request (plus potential expenses of foreign banks) | CZK 600 |
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| F.34.6. | Confirmation of a payment | CZK 300 |
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| Non-documentary payments from a client’s current drawing accounts are made for drawing a loan only. Fees applicable to non-documentary payments are collected from a client’s current mortgage accounts or current accounts at ČSOB, a.s. and are charged for each item debited from a client’s current drawing accounts. For non-documentary payments indicated OUR (all fees are paid by the payer) the client pays an additional fee of mediating banks. The recipient does not pay any fee and will receive the amount transferred in full. For non-documentary payments indicated SHA (the payer pays the payer’s bank fees and other fees are paid by the recipient). The client pays the fees of Hypoteční banka, the beneficiary pays the fees of his bank and receives the amount transferred net of any additional fees of mediating banks. For non-documentary payments indicated BEN (all fees are paid by the recipient) the client does not pay any fees; the recipient pays the fees of his bank and receives the amount transferred net of the fees of Hypoteční banka and any other fees of mediating banks. For payments indicated BEN/SHA amounts lower than the acceptable minimum set by mediating banks the client (payer)may be charged additional fees of mediating banks. The client (payer) may also be charged additional fees of mediating banks for manual intervention in payment processing or for incorrectly set up instructions. |
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| F.35. | Certified copy of a document | CZK 20 per page, min. CZK 100 + real cost of certification | |
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