Rychlá Hypo – Czech mortgages

{'type': 'object', 'required': ['applicants'], 'properties': {'region': {'enum': ['praha', 'regional', 'small'], 'type': 'string', 'default': 'regional', 'description': 'Prague, other larger town, small municipality (affects living costs).'}, 'married': {'type': 'boolean', 'description': 'Applicants are spouses with joint property (SJM).'}, 'purpose': {'enum': ['koupe', 'refinancovani', 'stavba', 'rekonstrukce', 'neucelova', 'vyporadani'], 'type': 'string', 'default': 'koupe', 'description': 'Purpose: purchase, refinancing, construction, renovation, non-purpose (American mortgage), settlement.'}, 'children': {'type': 'number', 'default': 0, 'minimum': 0, 'description': 'Number of dependent children (counted as 6–15 years old). For precise living costs send children_ages instead.'}, 'fixation': {'enum': ['1R', '3R', '5R', '7R', '10R'], 'type': 'string', 'default': '3R', 'description': 'Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too.'}, 'own_funds': {'type': 'number', 'description': 'Own funds / savings in CZK.'}, 'applicants': {'type': 'array', 'items': {'type': 'object', 'required': ['age'], 'properties': {'age': {'type': 'number', 'description': 'Age in years.'}, 'contract': {'enum': ['indefinite', 'fixed', 'probation', 'notice'], 'type': 'string', 'description': 'Employment contract type.'}, 'residence': {'enum': ['cr', 'eu', 'third_stable', 'third_risky'], 'type': 'string', 'default': 'cr', 'description': 'Residency: Czech, EU/EEA, stable third country, other.'}, 'net_income': {'type': 'number', 'description': 'Net monthly income in CZK (for employees and pensions). For self-employed use annual_revenue and annual_tax_base.'}, 'income_type': {'enum': ['employee', 'osvc_vydpausal', 'osvc_skutecne', 'osvc_paus', 'sro', 'rental', 'dpp', 'dpc', 'pension', 'parental', 'ppm', 'dividends', 'vysluha'], 'type': 'string', 'default': 'employee', 'description': 'Main income: employee = employment; osvc_vydpausal = self-employed with flat-rate expenses; osvc_skutecne = self-employed with actual expenses; osvc_paus = flat tax (paušální daň); sro = company owner; rental; dpp/dpc = side contracts; pension; parental = parental allowance; ppm = maternity; dividends; vysluha = service pension.'}, 'pension_type': {'enum': ['starobni', 'invalidni', 'vdovsky', 'sirotci'], 'type': 'string', 'description': "For income_type=pension: old-age, disability, widow's, orphan's."}, 'annual_revenue': {'type': 'number', 'description': 'Self-employed: annual revenue from the last tax return (row 101/113), CZK.'}, 'annual_tax_base': {'type': 'number', 'description': 'Self-employed: annual tax base from the last tax return, CZK.'}, 'months_employed': {'type': 'number', 'description': 'Months at current employer.'}, 'flat_expense_rate': {'type': 'number', 'description': 'Self-employed flat-rate expenses as a fraction: 0.4, 0.6 or 0.8.'}, 'secondary_net_income': {'type': 'number', 'description': 'Net monthly amount of the secondary income, CZK.'}, 'secondary_income_type': {'type': 'string', 'description': 'Optional second income of the same applicant (same codes as income_type).'}}, 'additionalProperties': True}, 'maxItems': 4, 'minItems': 1, 'description': '1–4 applicants (household members who will be borrowers).'}, 'investment': {'type': 'boolean', 'default': False, 'description': 'Buy-to-let / third or further residential property (LTV 70 %, DTI 7).'}, 'term_years': {'type': 'number', 'default': 30, 'maximum': 40, 'minimum': 1}, 'alimony_paid': {'type': 'number', 'default': 0, 'description': 'Monthly alimony paid, CZK.'}, 'housing_cost': {'type': 'number', 'default': 0, 'description': 'Monthly housing cost that continues after the purchase (e.g. rent), CZK.'}, 'children_ages': {'type': 'array', 'items': {'type': 'number', 'maximum': 26, 'minimum': 0}, 'description': 'Ages of dependent children, e.g. [3, 9]. Overrides children.'}, 'loan_payments': {'type': 'number', 'default': 0, 'description': 'Monthly payments of all existing loans and leasing, CZK.'}, 'property_type': {'enum': ['byt', 'dum', 'coop', 'land', 'rekreacni', 'commercial'], 'type': 'string', 'description': 'Flat, house, cooperative flat, land, recreational, commercial.'}, 'property_value': {'type': 'number', 'description': 'Property price in CZK. Without it the result is the income-based maximum only.'}, 'requested_loan': {'type': 'number', 'description': 'Specific loan amount to assess (approved yes/no per bank). Omit to get the maximum per bank.'}, 'overdraft_limits': {'type': 'number', 'default': 0, 'description': 'Sum of overdraft limits, CZK.'}, 'credit_card_limits': {'type': 'number', 'default': 0, 'description': 'Sum of credit card limits, CZK.'}, 'existing_debt_balance': {'type': 'number', 'default': 0, 'description': 'Outstanding principal of all existing loans, CZK (DTI limit).'}}, 'additionalProperties': True}

{'type': 'object', 'required': ['loan_amount'], 'properties': {'fixation': {'enum': ['1R', '3R', '5R', '7R', '10R'], 'type': 'string', 'default': '3R', 'description': 'Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too.'}, 'term_years': {'type': 'number', 'default': 30, 'maximum': 40, 'minimum': 5, 'description': 'Repayment term in years.'}, 'loan_amount': {'type': 'number', 'minimum': 100000, 'description': 'Mortgage amount in CZK.'}, 'property_value': {'type': 'number', 'minimum': 0, 'description': 'Property price or valuation in CZK. Used for LTV surcharges and bank LTV limits. Optional.'}, 'all_applicants_under_36': {'type': 'boolean', 'default': False, 'description': 'True if every applicant is younger than 36 (UniCredit waives the 81–90 % LTV surcharge).'}}, 'additionalProperties': False}

{'type': 'object', 'properties': {}, 'additionalProperties': False}

{'type': 'object', 'properties': {'fixation': {'enum': ['1R', '3R', '5R', '7R', '10R'], 'type': 'string', 'default': '3R', 'description': 'Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too.'}}, 'additionalProperties': False}