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Maria Hrican
Mortgage advisor
in the Czech Republic
Mortgage advisor
in the Czech Republic
With over a 20 years of involvement in the financial sector,
allow me to utilize my extensive expertise to benefit you:
✔ analyze your requests
✔ select the appropriate option
✔ support all processes
allow me to utilize my extensive expertise to benefit you:
✔ analyze your requests
✔ select the appropriate option
✔ support all processes
How do I work
Personal attitude
You will get Individual approach, interactions with the bank on your behalf and free calculation of different options available in the Czech.
I will resolve your problems with language barriers, residency requirements and legal complexities.
Greate conditions
You'll reveive solutions for complex mortgage situations, making the process of obtaining simpler mortgages even easier and in the best terms for you.
I provide you assistance with all related products for mortgages including insurance and account opening.
Full support
You will receive personalized guidance and support throughout the entire mortgage process, ensuring clarity and understanding every step of the way.
You will get answers to your questions, save your time gratefully online processes without the need of visiting the bank and support during the whole length of your loan.
I will save your time and money
For your family
You will benefit from expert advice on mortgage options, assistance in navigating the complexities involved, and skilled negotiation to secure favorable terms.
With my services, you can save time, obtain the best mortgage conditions, and ensure a smooth and successful home buying experience for your loved ones.
With my services, you can save time, obtain the best mortgage conditions, and ensure a smooth and successful home buying experience for your loved ones.
For investment
You will gain access to personalized expertise and support throughout the entire process, helping you make informed decisions on mortgage options that align with your investment goals.
Additionally, my skilled negotiation and market knowledge will enable you to secure favorable terms, maximizing the return on your investment.
With my services, you can confidently navigate the complexities of the real estate market and achieve success in building your investment portfolio through property acquisition.
Additionally, my skilled negotiation and market knowledge will enable you to secure favorable terms, maximizing the return on your investment.
With my services, you can confidently navigate the complexities of the real estate market and achieve success in building your investment portfolio through property acquisition.
For business purposes
I will provide you with tailored financing solutions, navigate complex loan requirements, and help you secure the most favorable terms and rates.
With my support, you can streamline the mortgage process, save time and effort, and ultimately make a sound investment decision that aligns with your business goals and financial objectives.
With my support, you can streamline the mortgage process, save time and effort, and ultimately make a sound investment decision that aligns with your business goals and financial objectives.
Let my expertise to work for you
My education
- Master's degree in "Finance and Credit" at the Banking Institute, various post graduated and professional courses in finance and credit area
- Certified Mortgage Consultant in the Czech Republic for 9 years
- Certified advisor by School of Business in Prague, 2023
My experience
- 7 years of experience in the largest banks, mainly - loans and investments for private clients - Sberbank, Raiffeisen, Societe Generale, Swedbank (head of branch with 15 employees)
- 13 years in finance at international corporations in Prague, more than 5 years in management position (Lukoil, Medtronic, CGI, MSD, Expobank)
Let my expertise to work for you
My education
- Master's degree in "Finance and Credit" at the Banking Institute, various post graduated and professional courses in finance and credit area
- Certified Mortgage Consultant in the Czech Republic for 9 years
- Certified advisor by School of Business in Prague, 2023
My experience
- 7 years of experience in the largest banks, mainly - loans and investments for private clients - Sberbank, Raiffeisen, Societe Generale, Swedbank (head of branch with 15 employees)
- 13 years in finance at international corporations in Prague, more than 5 years in management position (Lukoil, Medtronic, CGI, MSD, Expobank)
How mortgage consulting works?
For whom?
For everyone who is going to buy real estate with a mortgage.
I will arrange a mortgage for clients with various incomes: employees, self-employed individuals, and business owners, landlords.
I will arrange a mortgage for clients with various incomes: employees, self-employed individuals, and business owners, landlords.
Duration
Individual, depending on your request.
I will support you and keep track of the deadlines throughout the whole process.
I will support you and keep track of the deadlines throughout the whole process.
Costs
There is no cost to the client. The bank compensates me.
All my services are free for you.
Reviews
Mortgage process
I will lead you every steps. With me the mortgage process is clear and understandable
1
Request a call
During our first meeting, I will introduce myself and familiarize myself with your mortgage requirements (purpose, amount, length, property value, etc.), income details (employment type and net income), and household expenses (overdraft, credit card, building loan, mortgage, lease, or other loans).
2
Choose the options
During our second meeting, based on the information received, I will present to you a few most advantageous offers and thoroughly discuss all the parameters of each proposal. After you have chosen a bank, we will prepare the Mortgage Loan Application together, and I will provide you with the necessary information regarding the documents the bank will require for loan approval.
3
Documents package preparation
I will provide you with the required documents. I will perform a thorough check to ensure everything is correct and arrange the submission to the bank. I will personally oversee the smooth processing and validity of all the bank's requirements towards you. I will also assist you in obtaining the necessary property insurance for the purpose of collateralization.
4
Approval process
I will overview the whole approval process in the bank, communicate with the bank mortgage specialists, provide all required additional information, ensure that needed documents are provided and obtain a final decision from the bank.
5
Singing a contract
After the mortgage is approved, I will provide you with the loan documentation for review. We will schedule a date for the mortgage signing at the bank branch where I will be present throughout the entire signing process or with me (some of the banks allow agreement signing electronically or with mortgage advisor). Subsequently, as part of my professional service, I will take care of the submission of the pledge agreement to the registry office and ensure the disbursement of the mortgage funds on your behalf. I will review the loan agreements before you sing it.
6
Post-mortgage support
I will be available for you for the whole length of your mortgage and support you in app questions or requirements.
How much will it cost you to acquire your own home? Enter some information into our mortgage calculator and instantly see the result.
Mortgage Calculator
1.Property price 2. Mortgage amount 3. Loan term = Calculated monthly payment
How else can I help you?
I have partner real estate agents, insurance providers, accountants, and lawyers whom I can refer you to. These professionals have been thoroughly vetted and possess extensive experience.
Assistance with all related products for mortgages
I provide you assistance with all related products for mortgages including insurance and account opening.
Request a call
Interaction with the real estate agent or recommendation of my partners
Advice on personal and family financial planning and budgeting.
Request a call
FAQ
I always advise you to start the process with a consultation with me to determine a plan of action based on your specific situation (status in the Czech Republic, age, income, what you plan to buy, financial possibilities).
Yes, you can. There is specific of obtaining a mortgage with a residence permit (not all banks accept it, plus additional requirements to clients). To determine whether it is possible in your situation, apply to my consultation.
Usually, it’s necessary to provide your ID documents (passport, residence card, obcanka), in some banks you need in addition second document.
It is also necessary to confirm the income (certificate from your employer on the specific format of the bank, account statements for a certain period, the tax declaration for an individual entrepreneur - OSVČ).
The following documents are required for the selected property: property certificate (list vlastnictví), photos of interior and exterior, a document with the designated area, drafts of sales contracts and lawyer's account. Also, banks may request additional documents, which are determined individually.
It is also necessary to confirm the income (certificate from your employer on the specific format of the bank, account statements for a certain period, the tax declaration for an individual entrepreneur - OSVČ).
The following documents are required for the selected property: property certificate (list vlastnictví), photos of interior and exterior, a document with the designated area, drafts of sales contracts and lawyer's account. Also, banks may request additional documents, which are determined individually.
Banks have very different methods and requirements for clients, so I always choose the most suitable bank for the client based on your situation.
Employees in branches of banks do not always know in details specific of working with foreigners, which can lead to rejection of the loan, although there could be a positive decision.
I also accompany you from the very beginning to the completion of the real estate deal, when you have already received the loan, I solve all your questions, I represent your interests in the bank and seller. I speak English and Czech, so even without knowledge of Czech you will have no problem in getting the loan and finding answers to all your questions.
Also, I can get you an additional discount on the % rate and often additional bonuses in the form of a free appraisal, favorable insurance, etc.
Employees in branches of banks do not always know in details specific of working with foreigners, which can lead to rejection of the loan, although there could be a positive decision.
I also accompany you from the very beginning to the completion of the real estate deal, when you have already received the loan, I solve all your questions, I represent your interests in the bank and seller. I speak English and Czech, so even without knowledge of Czech you will have no problem in getting the loan and finding answers to all your questions.
Also, I can get you an additional discount on the % rate and often additional bonuses in the form of a free appraisal, favorable insurance, etc.
Full package of services related to obtaining a mortgage for the client is always without additional costs from the client, as I am a certified by Czech National Bank mortgage advisor and receive a commission directly from the banks, which has no impact on the cost of mortgage for you.
If it is a mortgage without the selected property - usually 1-2 weeks.
With already selected real estate - about a month (the timing is indicated, taking into account that all documents are ready to apply to the bank).
With already selected real estate - about a month (the timing is indicated, taking into account that all documents are ready to apply to the bank).
The most popular is through a lawyer's account. You can also use a special bank account or a notary.
All payments during the real estate purchasing process are made non-cash (exception may be done for the 1st reservation payment).
All payments during the real estate purchasing process are made non-cash (exception may be done for the 1st reservation payment).
I always advise my clients not to pay the reservation until we have not received a final approval from the bank for the mortgage, because there is a risk of losing the deposit if the bank refuses it (usually the reservation is between 50 and 300 thousand crowns). I also help my clients in communication and negotiation if terms with the seller.
Schedule a Free Consultation
Make a first step to your own property - request a call.
In the next step, we will schedule a consultation where we will discuss the details of your request and determine if I can help you achieve your goals. We can communicate by phone, video call, or in person. I am available on WhatsApp.
In the next step, we will schedule a consultation where we will discuss the details of your request and determine if I can help you achieve your goals. We can communicate by phone, video call, or in person. I am available on WhatsApp.
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Applying for a mortgage and baying a property in 13 steps
I've described the entire process in simple language, understandable even to those who have never arranged a mortgage.
Just leave me your mail and I will send you this guide.
Spotřebitelské úvěry zprostředkováváme jako vázaný zástupce zapsaný v registru ČNB pod IČO: 87749009 a zároveň registrovaný pod Samostatným zprostředkovatelem spotřebitelských úvěrů Broker Trust, a.s. IČO: 26439719. Bližší informace získáte na www.brokertrust.cz/pro-klienty
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