Rychlá Hypo – Czech mortgages

Current published mortgage rates of 6 major Czech banks (Česká spořitelna, ČSOB, Komerční banka, UniCredit Bank, Raiffeisenbank, mBank) by fixation period, with LTV surcharges, limits and fees. Source: Rychlá Hypo (rychlahypo.cz), rates verified in the banks' calculators.

{
  "type": "object",
  "properties": {
    "fixation": {
      "type": "string",
      "enum": [
        "1R",
        "3R",
        "5R",
        "7R",
        "10R"
      ],
      "default": "3R",
      "description": "Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too."
    }
  },
  "additionalProperties": false
}

Compare the monthly payment, interest rate, RPSN (APRC), total cost and interest of a given mortgage amount across 6 Czech banks, sorted from cheapest. Applies each bank's LTV and small-loan surcharges and limits. Use for 'which bank is cheapest for X CZK'.

{
  "type": "object",
  "properties": {
    "loan_amount": {
      "type": "number",
      "minimum": 100000,
      "description": "Mortgage amount in CZK."
    },
    "property_value": {
      "type": "number",
      "minimum": 0,
      "description": "Property price or valuation in CZK. Used for LTV surcharges and bank LTV limits. Optional."
    },
    "term_years": {
      "type": "number",
      "minimum": 5,
      "maximum": 40,
      "default": 30,
      "description": "Repayment term in years."
    },
    "fixation": {
      "type": "string",
      "enum": [
        "1R",
        "3R",
        "5R",
        "7R",
        "10R"
      ],
      "default": "3R",
      "description": "Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too."
    },
    "all_applicants_under_36": {
      "type": "boolean",
      "default": false,
      "description": "True if every applicant is younger than 36 (UniCredit waives the 81–90 % LTV surcharge)."
    }
  },
  "required": [
    "loan_amount"
  ],
  "additionalProperties": false
}

Calculate how much each of 6 Czech banks will lend (or whether a requested amount gets approved) from household income, expenses, debts and property, using each bank's own credit methodology (DSTI, DTI, LTV, living costs, recognition of self-employed, pension, rental and other income). No personal data needed: ages and amounts only.

{
  "type": "object",
  "properties": {
    "applicants": {
      "type": "array",
      "minItems": 1,
      "maxItems": 4,
      "items": {
        "type": "object",
        "required": [
          "age"
        ],
        "additionalProperties": true,
        "properties": {
          "age": {
            "type": "number",
            "description": "Age in years."
          },
          "income_type": {
            "type": "string",
            "default": "employee",
            "enum": [
              "employee",
              "osvc_vydpausal",
              "osvc_skutecne",
              "osvc_paus",
              "sro",
              "rental",
              "dpp",
              "dpc",
              "pension",
              "parental",
              "ppm",
              "dividends",
              "vysluha"
            ],
            "description": "Main income: employee = employment; osvc_vydpausal = self-employed with flat-rate expenses; osvc_skutecne = self-employed with actual expenses; osvc_paus = flat tax (paušální daň); sro = company owner; rental; dpp/dpc = side contracts; pension; parental = parental allowance; ppm = maternity; dividends; vysluha = service pension."
          },
          "net_income": {
            "type": "number",
            "description": "Net monthly income in CZK (for employees and pensions). For self-employed use annual_revenue and annual_tax_base."
          },
          "contract": {
            "type": "string",
            "enum": [
              "indefinite",
              "fixed",
              "probation",
              "notice"
            ],
            "description": "Employment contract type."
          },
          "months_employed": {
            "type": "number",
            "description": "Months at current employer."
          },
          "annual_revenue": {
            "type": "number",
            "description": "Self-employed: annual revenue from the last tax return (row 101/113), CZK."
          },
          "annual_tax_base": {
            "type": "number",
            "description": "Self-employed: annual tax base from the last tax return, CZK."
          },
          "flat_expense_rate": {
            "type": "number",
            "description": "Self-employed flat-rate expenses as a fraction: 0.4, 0.6 or 0.8."
          },
          "pension_type": {
            "type": "string",
            "enum": [
              "starobni",
              "invalidni",
              "vdovsky",
              "sirotci"
            ],
            "description": "For income_type=pension: old-age, disability, widow's, orphan's."
          },
          "secondary_income_type": {
            "type": "string",
            "description": "Optional second income of the same applicant (same codes as income_type)."
          },
          "secondary_net_income": {
            "type": "number",
            "description": "Net monthly amount of the secondary income, CZK."
          },
          "residence": {
            "type": "string",
            "enum": [
              "cr",
              "eu",
              "third_stable",
              "third_risky"
            ],
            "default": "cr",
            "description": "Residency: Czech, EU/EEA, stable third country, other."
          }
        }
      },
      "description": "1–4 applicants (household members who will be borrowers)."
    },
    "children": {
      "type": "number",
      "minimum": 0,
      "default": 0,
      "description": "Number of dependent children (counted as 6–15 years old). For precise living costs send children_ages instead."
    },
    "children_ages": {
      "type": "array",
      "items": {
        "type": "number",
        "minimum": 0,
        "maximum": 26
      },
      "description": "Ages of dependent children, e.g. [3, 9]. Overrides children."
    },
    "married": {
      "type": "boolean",
      "description": "Applicants are spouses with joint property (SJM)."
    },
    "purpose": {
      "type": "string",
      "enum": [
        "koupe",
        "refinancovani",
        "stavba",
        "rekonstrukce",
        "neucelova",
        "vyporadani"
      ],
      "default": "koupe",
      "description": "Purpose: purchase, refinancing, construction, renovation, non-purpose (American mortgage), settlement."
    },
    "property_type": {
      "type": "string",
      "enum": [
        "byt",
        "dum",
        "coop",
        "land",
        "rekreacni",
        "commercial"
      ],
      "description": "Flat, house, cooperative flat, land, recreational, commercial."
    },
    "property_value": {
      "type": "number",
      "description": "Property price in CZK. Without it the result is the income-based maximum only."
    },
    "requested_loan": {
      "type": "number",
      "description": "Specific loan amount to assess (approved yes/no per bank). Omit to get the maximum per bank."
    },
    "own_funds": {
      "type": "number",
      "description": "Own funds / savings in CZK."
    },
    "term_years": {
      "type": "number",
      "minimum": 1,
      "maximum": 40,
      "default": 30
    },
    "fixation": {
      "type": "string",
      "enum": [
        "1R",
        "3R",
        "5R",
        "7R",
        "10R"
      ],
      "default": "3R",
      "description": "Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too."
    },
    "region": {
      "type": "string",
      "enum": [
        "praha",
        "regional",
        "small"
      ],
      "default": "regional",
      "description": "Prague, other larger town, small municipality (affects living costs)."
    },
    "loan_payments": {
      "type": "number",
      "default": 0,
      "description": "Monthly payments of all existing loans and leasing, CZK."
    },
    "existing_debt_balance": {
      "type": "number",
      "default": 0,
      "description": "Outstanding principal of all existing loans, CZK (DTI limit)."
    },
    "credit_card_limits": {
      "type": "number",
      "default": 0,
      "description": "Sum of credit card limits, CZK."
    },
    "overdraft_limits": {
      "type": "number",
      "default": 0,
      "description": "Sum of overdraft limits, CZK."
    },
    "alimony_paid": {
      "type": "number",
      "default": 0,
      "description": "Monthly alimony paid, CZK."
    },
    "housing_cost": {
      "type": "number",
      "default": 0,
      "description": "Monthly housing cost that continues after the purchase (e.g. rent), CZK."
    },
    "investment": {
      "type": "boolean",
      "default": false,
      "description": "Buy-to-let / third or further residential property (LTV 70 %, DTI 7)."
    }
  },
  "required": [
    "applicants"
  ],
  "additionalProperties": true
}

How the user can get a binding assessment and have the mortgage arranged for free by a licensed Czech mortgage intermediary (Rychlá Hypo). Returns phone, e-mail and links.

{
  "type": "object",
  "properties": {},
  "additionalProperties": false
}