#20 Tomáš Rusňák - Interest rates, take a mortgage or wait? How to buy a property at 20?
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We could not share the special 20th episode of the Czechoslovak Real Estate Podcast with anyone other than Tomáš Rusňák, the mortgage king and host of Hypotécast. Tomáš shared valuable information from the mortgage industry with us. He talked about cooperation with banks and financial advisors, how to proceed when your fixation ends, or what the penalties will be for early repayment of the mortgage. How can you get a mortgage without proving income? Do self-employed people in the flat-rate tax regime have problems applying for a mortgage loan? Will we see interest rates below 3% on the market and why is a lot of foreign capital flowing to the Czech Republic? Are you considering a mortgage loan? Don't miss this episode packed with experience and expert advice from one of our most respected mortgage experts. Tomáš Rusňák: https://tomasrusnak.cz Czechoslovak real estate podcast / jakubflek Instagram: / nemovitostni_podcast TikTok: / jakubflek_podcast Spotify: https://open.spotify.com/show/6Yy9v3S... Powered by: https://wivgroup.cz/ 00:00:00-00:06:00 Introduction, people's aversion to risk and debt 00:06:00-00:15:15 Development of the real estate market, interest rate swap, billion-dollar losses for banks 00:15:15-00:18:32 Cross-sell of the product at the bank 00:18:32-00:21:39 Mortgage insurance and life insurance 00:21:39-00:25:25 Increase in the volume of negotiated mortgages 00:25:25-00:36:55 Media relevance and the real estate market 00:36:55-00:37:45 Relaxation of the building code and a larger supply of apartments 00:37:45-00:43:34 Development of interest rates, take out a mortgage now or wait? 00:43:34-00:45:18 Mortgage rates around 3% 00:45:18-00:49:59 Cooperation of banks with financial advisors 00:49:59-00:53:07 Mortgage without proof of income 00:53:07-00:59:39 Flat-rate tax regime and mortgage application 00:59:39-01:03:28 Interest rate fixation 01:03:28-01:11:16 Fee for early repayment and refinancing 01:11:16-01:16:18 Do financial advisors make mortgages more expensive? 01:16:18-01:19:00 Financial advisors and their expertise 01:19:00-01:26:50 Hypotécast as a sales tool? 01:26:50-01:33:45 How to buy real estate in your 20s? 01:33:45-01:37:20 Investment portfolio
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