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Polina Kulikova
Services
The range of services includes three main areas – protection of financial condition, lending of all kinds, and creation of savings.
Why is it important to seek help from financial advisors?
Products
A financial consultant will help you solve financial issues and save you time and effort. There are so many different products and offers in the Czech Republic that it is difficult to navigate without knowing all aspects of the market.
Financing
As for mortgages or other types of financing, there are countless advantages. Each bank has its own working methods, and I will help you choose the right bank, considering all your needs.
Cost of services
An indisputable benefit for my clients is the payment system for services - I work for you and represent your interests in the financial market exclusively, and banks, funds, and insurance companies pay for it.
My goal is to help you get the desired financing and save and multiply your finances!
- I approach each case individually and very responsibly
- I take care of all administrative and paperwork
- First of all, I defend your interests
- I work comprehensively and promptly
- I lead clients all the way to the goal
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Financial analysis
A comprehensive analysis of the financial situation is the key to a well–designed plan and the implementation of your future goals.
At the meeting, we analyze your current situation, calculate income and expenses and define goals for the future – buying an apartment, a car, creating medium- and long-term reserves. We write down the tasks that need to be solved first. Based on the results of the meeting, I am drawing up a comprehensive financial plan, which includes
- insurance offer
- calculation of mortgage or another financing
- retirement savings plan
- offering suitable investment instruments
After discussing and agreeing on the plan, the work begins on its implementation – concluding the necessary contracts, submitting applications to banks, etc.
Mortgages
Buying your own apartment or house is the most important stage in every person’s life. A mortgage is an affordable and profitable tool to do it as early as possible and pay for your own, not someone else’s, real estate.
If you want to get a mortgage in the Czech Republic, you need to have at least 10% of the cost of the apartment. When buying a cooperative apartment – your own funds are optional.
Getting a mortgage without permanent residence in the Czech Republic is possible! In my practice, more than one family has become the happy owner of their apartment, having only a residence permit.
At the beginning of the process, it is important to calculate the maximum credit debt based on the income of a family or a person. Then, choosing the bank with the best conditions and the lowest rate is necessary. After that, we will smoothly go through the whole process, starting from the collection of documents and the evaluation of the apartment to the direct transfer of money from the bank to the seller of real estate.
The whole process usually takes 1.5-2 months, during which we are constantly in touch with the client.
Besides mortgages for your own housing, banks offer investment mortgages – for apartments for rent.
You can also refinance your existing mortgage at a lower interest rate.
The decision to work with me will save you a lot of time and effort when solving the mortgage issue!
MY JOB INCLUDES:
- calculation of max. credit debt;
- calculation of mortgage payments;
- receiving an individual offer from several banks and choosing the best one;
- receiving an additional discount from the bank on the rate or commissions for the client;
- completing the application;
- preparation of a package of documents;
- the process of individual pre-consideration in the bank is especially important for foreigners without permanent residence;
- checking reservation and sale agreements and working with your real estate agent;
- submission of documents to the Real Estate Cadastre;
- making a tranche – i.e., transferring money from the bank to the seller.
Lending
This area includes:
- consumer loans up to 1 million crowns
- special financing of the furnishing or reconstruction of real estate – housing lending at a lower interest rate
- refinancing of existing loans
- loans for legal entities
Overpayment on consumer loans is higher than that of mortgages, so when concluding a loan, it is important to choose a bank with a reasonable rate and conditions. Do not overpay for meaningless insurance, and be able to pay the loan ahead of schedule at any time.
Besides consumer loans, I am engaged in obtaining financing for small and medium-sized companies.
Insurance
Insurance is the basic way to protect financial well-being. It is what every person should have.
Choosing an insurance company and calculating coverage is the most challenging process that should be entrusted to a professional.
I can broker for you:
- life insurance;
- property and liability insurance;
- car insurance;
- insurance of entrepreneurs.
The parameters and coverage are always adjusted individually. I make calculations in several insurance companies and offer the best option.
I am aware of all the shares of insurance companies, and I can also offer customers an additional discount.
Besides the concluding of insurance, I help clients with the solution of insurance cases and protect the interests of the client at the insurance company.
Investment
Investing is the best way to protect your savings from inflation and accumulate a sufficient financial reserve for the future, particularly retirement.
I offer plenty of investment tools, combining which you can create individual investment portfolios for each goal.
The most suitable tool is the funds, which contain a whole basket of different assets — stocks or bonds of specific companies.
For example, the technology companies fund invests in shares of large American companies from the S&P500 index.
The number of funds is huge, so choosing funds with a good history, investment strategy, growth indicators, and risk that corresponds to your investment horizon and investor profile is important. You should also diversify.
The portfolio is always compiled, taking into account the investment horizon and your attitude to risk.
I offer such investment tools as:
- Mutual funds and ETF funds;
- Real estate funds;
- A savings account for storing short-term reserves at 6.25% p.a.;
- Corporate bonds and promissory notes;
- Investment certificates;
- Gold bullion purchase programs.
The tools are selected individually and based on the financial analysis of the present situation.
It is essential to understand that investing is not a way to make money but a tool for creating savings and protecting your capital from inflation.