Mortgage and insurance broker Younique – seasoned expert in serving foreigners and expats with Czech mortgages and insurance
Younique, a.s. is a certified independent insurance and mortgage broker which deals with the products of all the major insurance companies and banks in the Czech Republic: mortgages, insurance, loans, ready made companies, property/real estate financing, real estate law, legal services.
MORTGAGES
We arrange for you various <types of mortgages: certified mortgages, self-certified mortgages, equity loans, bridging loans, non-collateral loans, personal loans and business loans.
Buy-to-let mortgages are mortgage, where the bank base its credit decision upon property rental income depends on property value. The rental income has to cover the mortgage repayments and the bank is not interested in personal income of the investor.
Younique is engaged in real estate development financing too – arranging and structuring construction loan for a developer or a property investor.
INSURANCE
Insurance broker Younique, a.s. provides you various types of insurance: life insurance, property insurance, car insurance, legal entity insurance, retirement insurance, travel insurance, assignment of insurance and claims settlement.
Life insurance:
- Credit risk life insurance - A type of balance at any given time; designed so that the loan will be paid off in full in the event of death.
- Disability insurance - policyholder becomes incapable of working. The insurance benefit provides for keeping the living standard.
- Endowment life insurance - A type of beneficiary otherwise. The amount of the policy is increased by the participation on insurance company results.
- Investment life insurance - A life insurance policy which in addition to providing a benefit upon the death of the policy holder, also accumulates cash value over time that can be invested in specific investment instruments (shares funds, stock indexes etc.) enabling benefits and significant yields to be paid out before death.
- Term life assurance - A life insurance policy which provides a stated portfolio.
- Children insurance - endowment life insurance policy designed for your children. The benefit is typically paid off on the adulthood.
- Health insurance - deductible and/or co-payment, limits of coverage and the options for treatment available to the policyholder.
Property insurance:
- Insurance of Residential Buildings and Outbuildings - Property insurance provides protection against most risks to boiler insurance.
- Insurance of Recreational Households.
- Household Effects Insurance - also commonly called home insurance, hazard insurance or homeowners insurance is the type of liability insurance for accidents that may happen at the home.
READY MADE COMPANIES
Ready made companies are established in order to be sold to the end customer. They are without any business transactions whatsoever, without liabilities and claims and their registered capital is paid in full.
Younique experts team offers Ready-made limited liability companies and Ready-made joint-stock companies.
VISA SERVICES
Younique also provides for visa services:
- EU cards Effective 1 May 2004 EU citizens are able to own real estate directly. An EU citizen can apply for Czech Residency Permit (“EU Card”), which enables the purchase of property in the Czech Republic under his or her own name.
- Long-term residency permits Foreigners may apply for a long-term residency permit due to holding shares in a Czech business company, employment contract, marriage to a Czech citizen or studying in CR.
REAL ESTATE LAW
Younique is ready to provide its clients with full range of legal services related to property acquisition and development projects. Younique is associated with prestigious legal firm Zizka & Partners, and together execute real estate law.
