richard.ondrich@4fin.cz +420 721 606 556
Home/Services/Loans and refinancing
Service

Loans and refinancing

Consumer loans and refinancing of existing debt on better terms. I compare the market so you don't overpay.

Loans are a tool, not a problem — if used wisely. I help you borrow at the best possible rate, and I'm honest when a loan is a bad idea.

What I handle

  • Consumer loans — for anything from renovation to a new car
  • Loan refinancing — moving existing loans to lower rates (can save tens of thousands)
  • Debt consolidation — merging multiple loans into one with lower monthly payments
  • American mortgages — for larger amounts (over 2 million CZK) backed by real estate

How much can you borrow?

Depending on income, DSTI limit (max 45% of net income) and credit history — usually between 50 000 and 2 000 000 CZK. For larger amounts we talk about American mortgage or dedicated loans.

What I never do

I don't push loans you don't need. If you ask about financing for a holiday or new TV, we'll have a frank conversation about whether borrowing makes sense for you right now.