PROFICIENT - independent financial consulting

Originally, I wanted to handle all things mortgage myself. However, when the banks were not able to answer even the basic questions about the loan and its possibilities, I gave it up and turned to Mr. Janeček. Right after the first phone call, I regretted not doing it at the beginning. Mr. Janeček not only explained everything to me factually and clearly, but also provided impartial advice on how to deal with financing and negotiated conditions that I would not have achieved in the bank myself. Many thanks also go to the assistance of Mrs. Koníčková, who handled all the paperwork and correspondence with the bank with me very patiently. I'll be in touch again when another mortgage or refinance is needed.

Mr. Janeček and Mrs. Koníčková helped me with a mortgage loan. For someone like me who, for the first time in their lives, was faced with the complicated process of buying a property using a mortgage loan, it was a huge help and I can only recommend it. Mrs. Koníčková was always on the phone, even though I needed to deal with a completely banal matter, she was always helpful to me. Thank you

I have nothing to complain about, without the help of Mr. Janeček and Mrs. Koníčková, my case with several unexpected complications would probably not have ended successfully. Despite the resulting time required for the whole process, the negotiations were always fast and professional.

Thank you Mr. Janeček for help with arranging the mortgage. Special thanks go to Mrs. Koníčková, who dealt with the whole process with me from the beginning to the very end. I especially appreciate the quick answers to my questions, her patience and willingness to explain everything clearly and look for alternative solutions when problems arose. Thank you very much again for everything :-)

I can only recommend. Mr. Janeček was able to arrange a mortgage for the construction of a recreational facility, for which another consultant could not get me anything at all. And all this under very decent conditions. I would also like to highlight the approach of Mrs Koníčková, who had an incredible attitude and patience. She always simply explained everything to me that I understood that too :)) Everything went remotely and we only went to the bank to sign a contract. Thank you

Following the response of the Janeček Mortgage to Martin Šmíra's review, I would like to add that the two purposes of the mortgage have been known to you from the very beginning. We have been assured that this will not be a problem and you have extensive experience with it, which has attracted us to cooperate. We therefore expected, perhaps quite legitimately, that the matter would be processed for us as conveniently and with sufficient care as possible. That you will communicate with us and make sure that the goal is achieved to the mutual satisfaction, which in my opinion mainly includes an explanation of possible risks, etc. Unfortunately, we were mostly only forwarding e-mails between us and the bank, which makes the whole process significantly slowed down. We have not been warned that there may be any complications, or that there may be a deterioration in the rate or other negative consequences if the matter is not discussed at any given time and that there is no time at all. We received the contractual documentation on the content of several dozen pages with the warning that if the contract does not manage to be signed within 3 days, the rate will worsen. Other mortgage conditions were not communicated to us at all, let alone explained. We tried to clarify the most serious questions in the bank before signing the contract, however, we did not meet with the loaner, so most of the questions remained unanswered. Therefore, I have to evaluate the benefits of Janeček Hypoték negatively.

Thanks to the excellent work of Mr. Janeček and Mrs. Koníčková, we got a loan and were able to buy the apartment we wanted. Whenever complications arose, a solution was found immediately. Whenever we didn't understand something, everything was explained to us emotionally and "semi-pathically". We can definitely only recommend the services of the office, so great treatment is unfortunately not always the standard.

Good day, once again I would like to thank you very much for everything you have done for us. When you say a family of 4, which unfortunately has virtually no savings and still lives in rent, it sounds pretty scary, unfortunately we did not have any help from our families, we were completely alone and everything was always ... so we are such an ideal game: D I have been wishing for my own housing for a very long time ... I have been looking at sreality.cz for nights for 5 years and I kept thinking and what if luck smiled on us after all. Around, of course, a lot of people who inherited something, got money, their parents helped them with the construction, etc .. I have to tell you that I slept badly over the years, so we saved every penny, even so it wasn't enough .. something always broke somewhere or you had to buy a car in a hurry. I knew from the beginning that we had no chance of a mortgage, kor during that massage on the Internet. But I came across Mr. Janeček on the web, I was interested in the photo no: D The Lord looked very decent and I liked the personal story ... so I said to myself, so what ... I won't give anything for the exam when it turns out again wrong, after all, you're used to it, sort of. I'm very glad that I was able to talk to Mr. Janeček and the best part was: D Do you have any savings, someone will lend you ... And I answered NO to everything and in my mind I thought, for God's sake ... so now you're a jerk : DA I wasn't a jerk, that made me very happy .. Apparently there are probably more of us ... so at least I hope .. I really liked the actions of Mr. Janeček, who is simply a professional and I really appreciate the human approach ... So we got hope, which in today's world is something like a gift from heaven ... really ... Thank you very much for that. Mrs. Koníčková, You are an amazing person with great patience to clients who have no experience and sometimes can't even fill in the forms correctly: D You have always been here for us and you have helped us with everything, she has explained everything several times in a row, no matter when I call ... you were very nice and you always tried to meet our needs, we knew about every step ... You even sacrificed the holiday at your own expense ... Thank you very much. You have given us and our children HOME .... And that is invaluable ... and I will never forget your help ... We live our dream. Just thanks to you ... THANK YOU so much. Catherine and family.