If you are unable to log in, we invite you to check the following settings and make sure, that
If you use Smart-ID, make sure that you have an active account in Smart-ID app and your mobile phone has Internet available (connection). Make sure that PIN1 is entered in Smart-ID app within 2 minutes of appearance of the control code.
If you use new type of PIN-calculator, make sure that during authorization you enter APPLI 1 code. If also your spouse or colleagues use PIN-calculator, make sure that you use the right one.
If you are using ID card, make sure that your computer is prepared for working with ID card (ID card software has been installed and ID card reader is working), and correct PIN is entered.
Selecting one's future home is a decision that has a long-term impact on everyone's life. Location is not everything as you also have to think about the needs of the people who will live there, their economic possibilities and the environmental impact.
Some people have to wait before they can buy their own homes. Living with parents often leads to discussions of living expenses. The law says that parents are obliged to support their children who study in upper secondary or vocational schools. This means that becoming an adult is not the only condition that allows parents to stop supporting their children, but children also have to graduate from school. If possible, parents also support their children during the time they study at university.
If you are working and earning money, then it is rather unpleasant if you don't pay your own way.
Many people see renting as the right solution instead of buying. The upside of renting is that you do not need much capital to get going, you can reorganise your life flexibly and the responsibility for management and maintenance rests with the owner. The downside is that you can never be sure whether or not your contract will be extended.
Entering into a lease contract creates rights and obligations for the tenant. You have to pay the rent on time, keep the flat in order and follow the rules agreed in the building. On the other hand, your landlord is responsible for the management, maintenance and renovation of the flat. Tenants are generally only responsible for the damages they cause. It is therefore important to check the flat together with the landlord before you sign the contract so that you can both agree about its current condition. You should check the ceiling or floor for cracks, the condition of the furniture and the wallpaper, etc. Tenants often have to pay for any damages that have not been recorded in the contract.
The term of the lease contract must always be set out in the contract and it can be either specified or unspecified. Contracts entered into for a specified term expire at the arrival of their deadline, but the term of the contract becomes unspecified if the tenant continues using the flat and no additional agreement is made within 2 weeks. Contracts that have been entered into for a specified term can be cancelled only extraordinarily, i.e. notice periods may be different pursuant to law. For example, the notice period in the case of a contract with an unspecified term cannot be shorter than 3 months, which is also stipulated by law.
The amount of rent is agreed in the course of negotiations between the tenant and the landlord. If you decide to rent, you must keep in mind that you will have to pay at least 1 month's rent in advance and you may also be required to pay a security deposit in the amount of 2 to 3 months' rent if requested by the landlord. This money will be refunded to the tenant at the expiry of the lease contract if the tenant has not caused any damages to the flat and all utility payments have been properly made. It is good to know that issues concerning security deposits are regulated by law and landlords have the right to demand security deposits in the cases described below.
- The lease contract may stipulate that the tenant pays the landlord a security deposit of up to three months' rent to secure any claims arising from the contract. The tenant may pay the security deposit in equal instalments over three months. The first instalment must be paid after the lease contract is entered into.
- The landlord must keep the security deposit in a credit institution separately from their own assets and the interest thereon must be at least equal to the local average interest rate. Interest belongs to the tenant and increases the security deposit.
- The tenant may demand a refund of the security deposit if the landlord has not advised the tenant of any claims against them within two months after the expiry of the contract.
If the suitable flat is taken on rent through an agent, then it must be kept in mind that the agent's fee is usually paid by the tenant, but the decision about who pays the agent's fee is made as an agreement between the tenant and the landlord. The agent's fee usually equals one month's rent.
Many of us dream about our own house and garden where we could spend time with our families. However, it is not always affordable and this is why you should consider all the pros and cons before you buy a home and calculate the amounts you would have to pay towards your new home every month. This means that postponing the purchase of a house and moving into a larger flat may sometimes prove to be a more suitable decision.
You have to consider the needs and possibilities of the people who will live in the flat or house before you buy it. How can you make sure that your future home is in a good condition? What should you check? What are the rights and obligations of the owner of a flat or house? How much money will you have to spend on buying a flat or a house and how big will future management costs be? What does taking a residential mortgage loan mean and how would you cope with repayments and interest? What are transport connections and the regional development plan like? It pays to prepare a budget as it allows you to gain a better understanding of your possibilities.
If you have any questions or suggestions, send them to us through the bank messages page. We value your opinion!