Konec fixace hypotéky: Kdy zůstat u své banky a kdy odejít

Is your fixed-rate mortgage term ending, and has your bank sent you an unreasonably high rate? It’s no coincidence. I’ll reveal the banks’ secret tactics and show you how to negotiate the best terms. If you’re just getting ready for your first mortgage, this video will show you how banks really operate. Today we’ll look at the age-old dilemma: Stay with your bank (retention), or switch to a competitor (refinancing)? Whether you’re dealing with an approaching fixed-rate term expiration or just gathering information before buying your first property, the principles of negotiating with a bank remain the same. As a mortgage specialist with 16 years of experience, I’ll take you behind the scenes of bank offers. In this video, you’ll learn: 🔹 Why your bank sends you an unfavorable offer first and how to defend yourself 🔹 What the head of mortgages at one of the largest Czech banks revealed about negotiating interest rates 🔹 When it actually pays to refinance and when, on the contrary, it’s a huge mistake to switch to another bank 🔹 What hidden fees await you when switching to another bank (new property appraisal, land registry fees) 🔹 How to save thousands of crowns even when market interest rates are falling or rising 💡 TIP FOR FIRST-TIME BUYERS: Are you taking out a mortgage for the first time? Listen carefully. Understanding how banks work with existing clients and how interest rate offers are structured will give you a huge advantage right from the start. You’ll learn what to watch out for when choosing your first bank. I’m not trying to convince you to refinance just for the commission. I want you to know the rules of the game, not let yourself be cornered, and protect your money. 👉 Is your fixed-rate period ending, or are you looking for financing for your first home? I’d be happy to take a look at your situation with no obligation. Reach out to me via the contact form at mariandrgo.cz 📌 Subscribe to my channel for more tips on the real estate and mortgage markets. A fresh dose of practical advice, no fluff, every week! Video content: 00:00 End of a fixed-rate mortgage term: Stay with your bank or refinance? 00:55 Why I’m not pushing you to refinance (The truth about advisor commissions) 01:50 Mortgage retention: When it pays to stay with your current bank 02:30 Why your own bank will offer you a worse interest rate than another bank 05:20 Benefits of staying with your bank 06:15 When does it make sense to refinance your mortgage with another bank? 09:00 The biggest myth about refinancing with another bank Thank you for your likes, subscriptions, and comments—I look forward to seeing you in the next video!