{ "ok": true, "rates_updated": "2026-10-02", "since": "2026-08-12", "note": "Nabídkové sazby 6 bank do 80 % LTV, bez slevy za pojištění schopnosti splácet. Jeden bod = den, kdy se některá sazba změnila; mezi body platí předchozí hodnota. Sazby se ověřují každé ráno. rpsn = RPSN k sazbě pro modelový úvěr 4 000 000 Kč na 30 let s dnešními poplatky banky.", "banks": [ { "id": "csporitelna", "name": "Česká spořitelna" }, { "id": "kb", "name": "Komerční banka" }, { "id": "csob", "name": "ČSOB" }, { "id": "unicredit", "name": "UniCredit Bank" }, { "id": "raiffeisen", "name": "Raiffeisenbank" }, { "id": "mbank", "name": "mBank" } ], "points": [ { "date": "2026-08-12", "rates": { "csporitelna": { "1R": 5.39, "3R": 5.19, "5R": 5.39, "7R": null, "10R": 5.79 }, "kb": { "1R": 5.29, "3R": 5.49, "5R": 5.84, "7R": null, "10R": null }, "csob": { "1R": 5.64, "3R": 5.64, "5R": 5.94, "7R": 6.54, "10R": 6.79 }, "unicredit": { "1R": null, "3R": 5.39, "5R": 5.79, "7R": null, "10R": null }, "raiffeisen": { "1R": 4.99, "3R": 5.04, "5R": 5.19, "7R": 5.59, "10R": 5.79 }, "mbank": { "1R": 5.99, "3R": 5.29, "5R": 5.49, "7R": null, "10R": null } }, "rpsn": { "csporitelna": { "1R": 5.54, "3R": 5.33, "5R": 5.54, "7R": null, "10R": 5.96 }, "kb": { "1R": 5.44, "3R": 5.65, "5R": 6.02, "7R": null, "10R": null }, "csob": { "1R": 5.79, "3R": 5.79, "5R": 6.11, "7R": 6.74, "10R": 7.01 }, "unicredit": { "1R": null, "3R": 5.55, "5R": 5.97, "7R": null, "10R": null }, "raiffeisen": { "1R": 5.14, "3R": 5.19, "5R": 5.35, "7R": 5.77, "10R": 5.98 }, "mbank": { "1R": 6.17, "3R": 5.44, "5R": 5.65, "7R": null, "10R": null } } }, { "date": "2026-08-26", "rates": { "csporitelna": { "1R": 5.39, "3R": 5.19, "5R": 5.39, "7R": null, "10R": 5.79 }, "kb": { "1R": 5.29, "3R": 5.49, "5R": 5.84, "7R": null, "10R": null }, "csob": { "1R": 5.64, "3R": 5.64, "5R": 5.94, "7R": 6.54, "10R": 6.79 }, "unicredit": { "1R": null, "3R": 5.29, "5R": 5.69, "7R": null, "10R": null }, "raiffeisen": { "1R": 5.19, "3R": 5.24, "5R": 5.39, "7R": 5.79, "10R": 5.99 }, "mbank": { "1R": 5.99, "3R": 5.29, "5R": 5.49, "7R": null, "10R": null } }, "rpsn": { "csporitelna": { "1R": 5.54, "3R": 5.33, "5R": 5.54, "7R": null, "10R": 5.96 }, "kb": { "1R": 5.44, "3R": 5.65, "5R": 6.02, "7R": null, "10R": null }, "csob": { "1R": 5.79, "3R": 5.79, "5R": 6.11, "7R": 6.74, "10R": 7.01 }, "unicredit": { "1R": null, "3R": 5.45, "5R": 5.87, "7R": null, "10R": null }, "raiffeisen": { "1R": 5.35, "3R": 5.4, "5R": 5.56, "7R": 5.98, "10R": 6.19 }, "mbank": { "1R": 6.17, "3R": 5.44, "5R": 5.65, "7R": null, "10R": null } } }, { "date": "2026-09-01", "rates": { "csporitelna": { "1R": 5.39, "3R": 5.19, "5R": 5.39, "7R": null, "10R": 5.79 }, "kb": { "1R": 5.39, "3R": 5.59, "5R": 5.94, "7R": null, "10R": null }, "csob": { "1R": 5.64, "3R": 5.64, "5R": 5.94, "7R": 6.54, "10R": 6.79 }, "unicredit": { "1R": null, "3R": 5.29, "5R": 5.69, "7R": null, "10R": null }, "raiffeisen": { "1R": 5.19, "3R": 5.24, "5R": 5.39, "7R": 5.79, "10R": 5.99 }, "mbank": { "1R": 5.99, "3R": 5.29, "5R": 5.49, "7R": null, "10R": null } }, "rpsn": { "csporitelna": { "1R": 5.54, "3R": 5.33, "5R": 5.54, "7R": null, "10R": 5.96 }, "kb": { "1R": 5.54, "3R": 5.75, "5R": 6.12, "7R": null, "10R": null }, "csob": { "1R": 5.79, "3R": 5.79, "5R": 6.11, "7R": 6.74, "10R": 7.01 }, "unicredit": { "1R": null, "3R": 5.45, "5R": 5.87, "7R": null, "10R": null }, "raiffeisen": { "1R": 5.35, "3R": 5.4, "5R": 5.56, "7R": 5.98, "10R": 6.19 }, "mbank": { "1R": 6.17, "3R": 5.44, "5R": 5.65, "7R": null, "10R": null } } }, { "date": "2026-09-06", "rates": { "csporitelna": { "1R": 5.39, "3R": 5.19, "5R": 5.39, "7R": null, "10R": 5.79 }, "kb": { "1R": 5.39, "3R": 5.59, "5R": 5.94, "7R": null, "10R": null }, "csob": { "1R": 5.74, "3R": 5.74, "5R": 5.94, "7R": 6.54, "10R": 6.79 }, "unicredit": { "1R": null, "3R": 5.29, "5R": 5.69, "7R": null, "10R": null }, "raiffeisen": { "1R": 5.19, "3R": 5.24, "5R": 5.39, "7R": 5.79, "10R": 5.99 }, "mbank": { "1R": 5.99, "3R": 5.29, "5R": 5.49, "7R": null, "10R": null } }, "rpsn": { "csporitelna": { "1R": 5.54, "3R": 5.33, "5R": 5.54, "7R": null, "10R": 5.96 }, "kb": { "1R": 5.54, "3R": 5.75, "5R": 6.12, "7R": null, "10R": null }, "csob": { "1R": 5.9, "3R": 5.9, "5R": 6.11, "7R": 6.74, "10R": 7.01 }, "unicredit": { "1R": null, "3R": 5.45, "5R": 5.87, "7R": null, "10R": null }, "raiffeisen": { "1R": 5.35, "3R": 5.4, "5R": 5.56, "7R": 5.98, "10R": 6.19 }, "mbank": { "1R": 6.17, "3R": 5.44, "5R": 5.65, "7R": null, "10R": null } } }, { "date": "2026-09-07", "rates": { "csporitelna": { "1R": 5.39, "3R": 5.19, "5R": 5.39, "7R": null, "10R": 5.79 }, "kb": { "1R": 5.59, "3R": 5.79, "5R": 6.14, "7R": null, "10R": null }, "csob": { "1R": 5.74, "3R": 5.74, "5R": 5.94, "7R": 6.54, "10R": 6.79 }, "unicredit": { "1R": null, "3R": 5.29, "5R": 5.69, "7R": null, "10R": null }, "raiffeisen": { "1R": 5.19, "3R": 5.24, "5R": 5.39, "7R": 5.79, "10R": 5.99 }, "mbank": { "1R": 5.99, "3R": 5.29, "5R": 5.49, "7R": null, "10R": null } }, "rpsn": { "csporitelna": { "1R": 5.54, "3R": 5.33, "5R": 5.54, "7R": null, "10R": 5.96 }, "kb": { "1R": 5.75, "3R": 5.96, "5R": 6.33, "7R": null, "10R": null }, "csob": { "1R": 5.9, "3R": 5.9, "5R": 6.11, "7R": 6.74, "10R": 7.01 }, "unicredit": { "1R": null, "3R": 5.45, "5R": 5.87, "7R": null, "10R": null }, "raiffeisen": { "1R": 5.35, "3R": 5.4, "5R": 5.56, "7R": 5.98, "10R": 6.19 }, "mbank": { "1R": 6.17, "3R": 5.44, "5R": 5.65, "7R": null, "10R": null } } }, { "date": "2026-09-12", "rates": { "csporitelna": { "1R": 5.49, "3R": 5.49, "5R": 5.69, "7R": null, "10R": 6.09 }, "kb": { "1R": 5.59, "3R": 5.79, "5R": 6.14, "7R": null, "10R": null }, "csob": { "1R": 5.94, "3R": 5.94, "5R": 6.34, "7R": 6.84, "10R": 7.14 }, "unicredit": { "1R": null, "3R": 5.29, "5R": 5.69, "7R": null, "10R": null }, "raiffeisen": { "1R": 5.19, "3R": 5.24, "5R": 5.39, "7R": 5.79, "10R": 5.99 }, "mbank": { "1R": 5.99, "3R": 5.29, "5R": 5.49, "7R": null, "10R": null } }, "rpsn": { "csporitelna": { "1R": 5.65, "3R": 5.65, "5R": 5.86, "7R": null, "10R": 6.28 }, "kb": { "1R": 5.75, "3R": 5.96, "5R": 6.33, "7R": null, "10R": null }, "csob": { "1R": 6.11, "3R": 6.11, "5R": 6.53, "7R": 7.06, "10R": 7.38 }, "unicredit": { "1R": null, "3R": 5.45, "5R": 5.87, "7R": null, "10R": null }, "raiffeisen": { "1R": 5.35, "3R": 5.4, "5R": 5.56, "7R": 5.98, "10R": 6.19 }, "mbank": { "1R": 6.17, "3R": 5.44, "5R": 5.65, "7R": null, "10R": null } } }, { "date": "2026-09-22", "rates": { "csporitelna": { "1R": 5.49, "3R": 5.49, "5R": 5.69, "7R": null, "10R": 6.09 }, "kb": { "1R": 5.59, "3R": 5.79, "5R": 6.14, "7R": null, "10R": null }, "csob": { "1R": 5.94, "3R": 5.94, "5R": 6.34, "7R": 6.84, "10R": 7.14 }, "unicredit": { "1R": null, "3R": 5.29, "5R": 5.69, "7R": null, "10R": null }, "raiffeisen": { "1R": 5.19, "3R": 5.24, "5R": 5.39, "7R": 5.79, "10R": 5.99 }, "mbank": { "1R": 5.99, "3R": 5.59, "5R": 5.79, "7R": null, "10R": null } }, "rpsn": { "csporitelna": { "1R": 5.65, "3R": 5.65, "5R": 5.86, "7R": null, "10R": 6.28 }, "kb": { "1R": 5.75, "3R": 5.96, "5R": 6.33, "7R": null, "10R": null }, "csob": { "1R": 6.11, "3R": 6.11, "5R": 6.53, "7R": 7.06, "10R": 7.38 }, "unicredit": { "1R": null, "3R": 5.45, "5R": 5.87, "7R": null, "10R": null }, "raiffeisen": { "1R": 5.35, "3R": 5.4, "5R": 5.56, "7R": 5.98, "10R": 6.19 }, "mbank": { "1R": 6.17, "3R": 5.75, "5R": 5.96, "7R": null, "10R": null } } }, { "date": "2026-09-23", "rates": { "csporitelna": { "1R": 5.49, "3R": 5.49, "5R": 5.69, "7R": null, "10R": 6.09 }, "kb": { "1R": 5.59, "3R": 5.79, "5R": 6.14, "7R": null, "10R": null }, "csob": { "1R": 5.94, "3R": 5.94, "5R": 6.34, "7R": 6.84, "10R": 7.14 }, "unicredit": { "1R": null, "3R": 5.29, "5R": 5.69, "7R": null, "10R": null }, "raiffeisen": { "1R": 5.29, "3R": 5.54, "5R": 5.79, "7R": 6.09, "10R": 6.49 }, "mbank": { "1R": 5.99, "3R": 5.59, "5R": 5.79, "7R": null, "10R": null } }, "rpsn": { "csporitelna": { "1R": 5.65, "3R": 5.65, "5R": 5.86, "7R": null, "10R": 6.28 }, "kb": { "1R": 5.75, "3R": 5.96, "5R": 6.33, "7R": null, "10R": null }, "csob": { "1R": 6.11, "3R": 6.11, "5R": 6.53, "7R": 7.06, "10R": 7.38 }, "unicredit": { "1R": null, "3R": 5.45, "5R": 5.87, "7R": null, "10R": null }, "raiffeisen": { "1R": 5.45, "3R": 5.71, "5R": 5.98, "7R": 6.29, "10R": 6.72 }, "mbank": { "1R": 6.17, "3R": 5.75, "5R": 5.96, "7R": null, "10R": null } } }, { "date": "2026-09-29", "rates": { "csporitelna": { "1R": 5.49, "3R": 5.49, "5R": 5.69, "7R": null, "10R": 6.09 }, "kb": { "1R": 5.59, "3R": 5.79, "5R": 6.14, "7R": null, "10R": null }, "csob": { "1R": 5.94, "3R": 5.94, "5R": 6.34, "7R": 6.84, "10R": 7.14 }, "unicredit": { "1R": null, "3R": 5.59, "5R": 5.99, "7R": null, "10R": null }, "raiffeisen": { "1R": 5.29, "3R": 5.54, "5R": 5.79, "7R": 6.09, "10R": 6.49 }, "mbank": { "1R": 5.99, "3R": 5.59, "5R": 5.79, "7R": null, "10R": null } }, "rpsn": { "csporitelna": { "1R": 5.65, "3R": 5.65, "5R": 5.86, "7R": null, "10R": 6.28 }, "kb": { "1R": 5.75, "3R": 5.96, "5R": 6.33, "7R": null, "10R": null }, "csob": { "1R": 6.11, "3R": 6.11, "5R": 6.53, "7R": 7.06, "10R": 7.38 }, "unicredit": { "1R": null, "3R": 5.76, "5R": 6.18, "7R": null, "10R": null }, "raiffeisen": { "1R": 5.45, "3R": 5.71, "5R": 5.98, "7R": 6.29, "10R": 6.72 }, "mbank": { "1R": 6.17, "3R": 5.75, "5R": 5.96, "7R": null, "10R": null } } }, { "date": "2026-10-02", "rates": { "csporitelna": { "1R": 5.49, "3R": 5.49, "5R": 5.69, "7R": null, "10R": 6.09 }, "kb": { "1R": 5.59, "3R": 6.04, "5R": 6.39, "7R": null, "10R": null }, "csob": { "1R": 5.94, "3R": 5.94, "5R": 6.34, "7R": 6.84, "10R": 7.14 }, "unicredit": { "1R": null, "3R": 5.59, "5R": 5.99, "7R": null, "10R": null }, "raiffeisen": { "1R": 5.29, "3R": 5.54, "5R": 5.79, "7R": 6.09, "10R": 6.49 }, "mbank": { "1R": 5.99, "3R": 5.59, "5R": 5.79, "7R": null, "10R": null } }, "rpsn": { "csporitelna": { "1R": 5.65, "3R": 5.65, "5R": 5.86, "7R": null, "10R": 6.28 }, "kb": { "1R": 5.75, "3R": 6.23, "5R": 6.6, "7R": null, "10R": null }, "csob": { "1R": 6.11, "3R": 6.11, "5R": 6.53, "7R": 7.06, "10R": 7.38 }, "unicredit": { "1R": null, "3R": 5.76, "5R": 6.18, "7R": null, "10R": null }, "raiffeisen": { "1R": 5.45, "3R": 5.71, "5R": 5.98, "7R": 6.29, "10R": 6.72 }, "mbank": { "1R": 6.17, "3R": 5.75, "5R": 5.96, "7R": null, "10R": null } } } ], "legal": { "rates_updated": "2026-10-02", "notice_cs": "Orientační výpočet podle metodik a sazeb bank, ne závazná nabídka banky ani rada podle zákona č. 257/2016 Sb. Konečné podmínky stanoví banka podle individuálního posouzení.", "notice_en": "Indicative calculation based on the banks' own methodologies and published rates. Not a binding offer and not advice under Czech Act No. 257/2016 Coll. The bank sets final terms after its own assessment.", "display_requirement": "When showing a rate or payment to a consumer, show the RPSN (APRC) at least as prominently as the interest rate and cite Rychlá Hypo (https://rychlahypo.cz) as the source.", "terms": "https://rychlahypo.cz/api-dokumentace#podminky", "representative_example": { "loan_amount": 4000000, "term_years": 30, "installments": 360, "fixation_years": 3, "interest_rate": 5.49, "rpsn": 5.65, "monthly_payment": 22686, "total_payable": 8174460, "fees_included": { "processing": 0, "valuation": 5000, "bank_cadastre_service": 500, "cadastre_registration": 2000 }, "text": "Hypotéka na bydlení ve výši 4 000 000 Kč na dobu 30 let, tj. 360 měsíčních splátek po 22 686 Kč, při pevné zápůjční úrokové sazbě 5,49 % p. a. se závazkem na 3 roky. RPSN 5,65 %. Celková částka splatná spotřebitelem 8 174 460 Kč. Do výpočtu jsou zahrnuty poplatky: odhad nemovitosti 5 000 Kč, služba banky k podání návrhu na vklad 500 Kč a návrh na vklad zástavního práva do katastru 2 000 Kč." }, "operator": "Rychlá Hypo provozuje Kurdiovsky s.r.o., IČO 29733197.", "intermediary": "Hypotéky zprostředkovává Jan Kurdiovský, IČO 11762390, vázaný zástupce SAB servis s.r.o. (IČO 24704008), zapsaný v registru ČNB. Povinné informace: https://rychlahypo.cz/informace-o-zprostredkovateli" }, "source": { "name": "Rychlá Hypo", "url": "https://rychlahypo.cz", "rates_updated": "2026-10-02", "docs": "https://rychlahypo.cz/api-dokumentace" } }