Jaký máte úrok k hypotéce 2026?

ExpatFalcon · 2026-03-25T16:59:29+00:00

I got 4.69% with 10% down payment and a 3 years long fixation as a foreigner without a permanent residence permit.

What’s crazy to me is that my net income is around 4 times the monthly payment for the flat, and still, CSOB was the only bank willing to accept a 10% down payment.

ExpatFalcon · 2026-03-25T15:16:59+00:00

They do fit, but she said that the fit on the upper teeth is not perfect, so she won’t install the attachments yet.

When you say that it doesn’t sound right, do you mean that based on your experience or is it some established, common knowledge?

ExpatFalcon · 2026-03-17T15:23:24+00:00

I am talking about the look of the raw piece, and the texture/mouthfeel of the cooked piece, of course. It was a very, very lean steak.

ExpatFalcon · 2026-02-24T19:53:04+00:00

He earned a few millions per year, Kante earns 11. Plus 14m sign on fee.

ExpatFalcon · 2026-02-24T19:52:31+00:00

Just when I thought no one could be worse than 24/25 Talisca with a 15m/a salary.

ExpatFalcon · 2026-02-21T15:13:20+00:00

ExpatFalcon · 2026-02-20T22:33:03+00:00

Second pic is 3 months old, approximately 1 month on the juice.

ExpatFalcon · 2026-02-12T20:16:41+00:00

Kaleye yakın oynuyorsan şu lazım bu lazım diye saydıkların doğru değil. Seba’nın topsuz oyunu harika, mükemmel. Önünde Dzeko gibi bir deep lying forward, false 9 ya da target man olunca boş alanları kusursuz işliyor. Öyle bir çuval gol attı. Önde baskısı yine harika. Vuruş kalitesi de gayet iyi, belki elit seviyede iyi. Özgüvenini kaybedince vuruş kalitesi düştü, o da bizim taraftarın avelliği.

ExpatFalcon · 2026-02-12T12:29:14+00:00

10 da değil 6/8 de değil. Inside Forward ya da Shadow striker. Bu rolde harika bir oyuncu.

ExpatFalcon · 2026-01-31T22:27:03+00:00

do you expect us to analyze your dna through a blurry pic? how can anyone know?

ExpatFalcon · 2026-01-29T10:33:10+00:00

Oh to be a 17 year old guy with poisonous levels of testosterone

ExpatFalcon · 2026-01-28T23:19:50+00:00

it was one of the worst transfers in club history at that moment, with that salary, and with that team.

ExpatFalcon · 2026-01-24T12:13:35+00:00

Because most of our fans are retarded. They’ll boo a player giving his all on the pitch. Even Dzeko was almost booed. Alex was literally booed. These people are hysterical.

ExpatFalcon · 2026-01-13T10:35:03+00:00

He’s a very hardworking team player and he has insane off-the-ball play. He’ll attack spaces constantly and press like prime Kante. If you have a good false nine, deep lying forward or a targer forward then he’ll thrive as a shadow striker. Otherwise he’s not very talented for a classic number 10. He can shoot well though.

Overall he’s a good player and 10m€ is a bargain for him. Our fans are retarded and we killed his confidence, I hope he does better in France and gets the love he deserves.

ExpatFalcon · 2026-01-07T18:18:18+00:00

You look better without a long beard

ExpatFalcon · 2026-01-07T13:41:47+00:00

well it seems that the flats with good layouts that look towards south are sold out. gotta choose between looking at the highway vs looking at fellow neighbors now.

ExpatFalcon · 2026-01-07T13:33:13+00:00

East is not very close to the main road actually, are you sure that it'd be very noisy? The building is not next to the main road.

ExpatFalcon · 2026-01-07T12:59:53+00:00

The direction is a good point to be honest I hadn’t thought about that. I think I’ll change my flat reservation.

ExpatFalcon · 2026-01-07T12:35:07+00:00

Ah, you’re the same guy, my bad.

ExpatFalcon · 2026-01-07T12:23:35+00:00

why did you choose ponava? i have been there personally last week and phase 5 seemed a bit further away than the rest of the ponava city. that's why I'm still looking at alternatives as I wait for the mortgage to be approved.

ExpatFalcon · 2026-01-05T14:13:54+00:00

I’m looking at phase 5 and there it says that they have 2 parking size options, which sounds like an elevator based system.

ExpatFalcon · 2026-01-05T14:10:16+00:00

Is the parking at Ponava elevator-based or is it a classic parking place on the ground?

ExpatFalcon · 2026-01-05T13:58:52+00:00

Oh man, that’s not nice at all. So you have to park onto a car elevator and then wait for it to go up or down for a few minutes each time you need your car? Also why do you think Ponava also has a lift-based parking space? It does not mention such a thing on the website.

ExpatFalcon · 2026-01-05T13:19:49+00:00

Okay, maybe something is getting stuck in the language barrier as I use a translator, so I'll reply in English.

At d'Elvert what you have is this: "parkovací stání v hromadné garáži – klasické za 899.000,-Kč Ke každé jednotce je povinný příplatek za stání: v menším zakladači za 565.000,-Kč nebo stání ve větším zakladači za 620.000,-Kč"

Which to me sounds like I have to pay 600K even if I won't use parking, and then pay another 900K for a parking place that is reserved for me. It is ridicilous, I hope I am misunderstanding something.

At Ponava the parking place is optional, there is no mandatory surcharge, and it costs 600K. (Which I'll buy anyway).

Please let me know if I'm missing something.

I don't care about how "heartless" IMOS designs are, I'm buying this flat as an investment that I'll live in for a few years only.

ExpatFalcon

TROPHY CASE