financing
- reservation fee of
200.000 Kč to be paid within 3 days of signing the reservation contract
- down payment of
20 % of the total purchase price to be paid within 14 days of signing the Agreement to Enter into a Contract of Purchase (including reservation fee)
- the remaining
80 % of the total purchase price to be paid after final approval of occupancy ("koloudace")
Financování dotovanou hypotékou od UBM Development Czechia
s garancí úrokové sazby 2,99 %
při koupi bytu 1+kk nebo 2+kk
Ve spolupráci s partnery projektu, společností HYPOASISTENT s.r.o. a Raiffeisenbank a.s., byl pro klienty projektu Astrid Garden připraven hypoteční produkt umožňující nízké měsíční splátky a nízké RPSN díky úrokové sazbě 2,99 % s dobou fixace na 2 roky.
Hypotéka se stává dostupnější, protože vlivem nízkých splátek dosáhne poptávající na vyšší hodnotu hypotéčního úvěru a stačí mu pro jeho získání nižší příjmy. Po ukončení fixace za 2 roky lze očekávat nižší inflaci a tím i nižší úrokové sazby.
Pohodlné vyřízení a čerpání hypotéky zajišťují zkušení specialisté HYPOASISTENT a poskytovatelem dotované hypotéky je bankovní dům Raiffeisenbank.
Doba fixace začíná běžet od schválení úvěru a končí za 2 roky. Klient bude čerpat hypotéku po kolaudaci, kdy obdrží výzvu k úhradě ceny. Za tímto účelem hypotéku načerpá a začne ji splácet měsíčně nízkými splátkami, které budou odpovídat úrokové sazbě 2,99 %. Na konci fixace dostane majitel bytu od banky nabídku nové sazby, kterou může přijmout nebo vyjednávat o lepší sazbě či zdarma refinancovat s jinou bankou.
we will help you with a mortgage
Dear Clients, we can help you finance part of the asking price by helping you arrange a mortgage, best conditions guaranteed, thanks to our cooperation with mortgage partner HYPOASISTENT. We offer clients of the project
The benefits of financing with the HYPOASISTENT service
free consultation, all services provided by HYPOASISTENT are free, you will work with a personal mortgage specialist who will:
- discreetly advise and prepare a mortgage calculation from any bank
- advise you on your selection of interest rate type
- help with putting together all the required documents
- choose the most advantageous product for you from a wide range of mortgage product
- secure extraordinary discounts on interest rates that only apply to project clients
- arrange an estimate of the apartment you wish to buy free of charge
- deal with the contractual documentation for your mortgage loan with the bank
- arrange security agreements with the bank and the developer for the apartment you have chosen
- provide documentation for your apartment
- ensure communication between you and the developer
- ensure communication with the cadastre office and the bank
- communicate with the developer, the cadastre office, and the bank during the approval processes important for securing a mortgage loan
- work with you and the bank to draw down a loan to pay part of the purchase price
Please note that the HYPOASISTENT service is only provided to clients who enter into a mortgage loan agreement through HYPOASISTENT.
Mortgage loan financing
without the HYPOASISTENT service
If you decide not to use the HYPOASISTENT service, you take upon yourself the obligation to ensure the processes specified below and responsibility for the timely submission of all documents and the timely drawdown of the loan for the payment of the purchase price.
- you will have to secure and hand over the documents required to process a mortgage loan to the mortgage bank yourself
- you yourself will need to arrange and negotiate conditions for the drawdown of the mortgage loan in accordance with the contractual documentation entered into with the developer / seller
- you yourself will need to submit a validly concluded loan agreement to the developer / seller within the set deadline
- you yourself must arrange for an inspection of the property or the delivery of documents regarding the property to a property appraiser (the obligation of involvement in the inspection together with the property appraiser)
- you yourself must ensure the writing of the security agreement in accordance with the template agreed with the banks with which the developer / seller cooperates
- you yourself must submit the security agreement to the developer / seller in electronic format for approval
- you yourself will inform the mortgage bank of any changes to the security agreement and secure all documents relating to the apartment and submit them to the bank, if the wording submitted does not match the agreed template
- you yourself will ensure the finalisation of the security agreement with the mortgage bank and the developer / seller
- you yourself will deal with delivery of the approved security agreement to the developer / seller for signature and file an application for entry at the cadastre office
- you yourself will ensure the submission of documents to the mortgage bank for the drawdown of the mortgage loan
For clients who arrange a mortgage loan through the HYPOASISTENT service, the personal mortgage specialist assigned to a particular client will deal with all the above obligations.
