hypotékami
Hypotéky, commonly known as mortgages in English-speaking countries, are a type of loan used to purchase real estate. The borrower receives a lump sum of money from a lender, which is then repaid over a set period of time, typically 15 to 30 years, with interest. The property itself serves as collateral for the loan, meaning that if the borrower fails to make payments, the lender has the legal right to seize and sell the property to recover their losses.
There are various types of hypotéky, including fixed-rate mortgages, where the interest rate remains the same