The purchase of an apartment can be financed from own funds or through a combination of own funds and a mortgage, in accordance with the payment schedules listed below. Mortgage financing is provided exclusively by HYPOASISTENT s.r.o.
Financing
Panorama Braník
Purchase of apartment
Panorama Braník
Payment Schedules
BASIC Payment Plan
- 20% after signing of the agreement on future purchase contract
- 15% after completion of load-bearing structures
- 15% after completion of the building shell
- 35% after completion of plastering in the unit
- 15% after occupation approval
HYPO Payment Plan
- 20% after signing of the agreement on future purchase contract
- 30% after completion of the building shell and registration of the owner’s declaration for the units under construction
- 35% after completion of plastering in the unit
- 15% after occupation approval
INDIVIDUAL Payment Plan*
- 20% after signing of the agreement on future purchase contract
- 80% after occupation approval
* In the case of the INDIVIDUAL payment plan, the final purchase price incl. VAT is increased.
Panorama Braník
Purchase process
1. Information Meeting
A sales agent will present the project, location, and range of properties to you and offer you the chance to make a verbal reservation for a few days so that you can carefully consider the parameters of the purchase.
2. Conclusion of Reservation Contract (RC)
If it is better for you to conclude a reservation contract first, this is possible, for example, if you are investigating the possibility of obtaining mortgage financing.
3. Conclusion of Agreement on Future Purchase Contract
The AoFPC already defines in detail the conditions under which the Purchase Contract will be concluded between the buyer and the seller in the future. A specimen of the Future Contract is annexed to the AoFPC. The AoFPC is concluded according to the type of financing in the CASH or HYPO variant.
4. Choice of Standard, Client Changes
Based on the AoFPC and the advance paid on the purchase price, the buyer proceeds to choose from the range of standard elements or can make client changes through our contractual partner ProBydlení.
5. Inspection of Apartment before Handover
At an advanced stage of construction, when safety rules, in particular, allow it, we will enable you to inspect the apartment. The inspection serves mainly to check the condition and record any defects and shortcomings so that they are ideally rectified by the handover date.
6. Conclusion of Purchase Contract
We invite the client in writing to conclude the Purchase Contract based on the fulfilment of the conditions set out in the AoFPC. We then file the purchase contract with the land registry office. The ownership right will be entered after the protective 21-day period at the earliest.
7. Acceptance of Apartment including Appurtenances
We will invite you to accept the unit together with its appurtenances within a specified period of time after you have signed the Purchase Contract and paid the purchase price in full.
Panorama Braník
Mortgages with assurance of best terms
We know that securing favourable financing is key when buying a property. That’s why we’ve prepared the most economical mortgage for you to buy a new home, without any unnecessary paperwork. HYPOASISTENT will help you with product selection (rate comparison, investment mortgages, mortgages for entrepreneurs, 90% mortgages, etc.), advise you on the type of interest rate and help you prepare all documents. It will also arrange the valuation of the property to be purchased and communication with the land registry and bank.
You can find what all the banks offer under one roof and can take advantage of special packages of preferential terms for project clients:
- reduced interest rate;
- no mortgage processing fee;
- option of extraordinary mortgage payments;
- preparation of an appraisal of the property purchased free of charge.
If you are considering mortgage financing, the mortgage calculator will help you with a quick estimate. Contact us, we will advise you discreetly and prepare calculations of possible options for your mortgage.
Panorama Braník
Contact mortgage specialists
Panorama Braník