{"id":1747,"date":"2025-03-13T16:39:00","date_gmt":"2025-03-13T15:39:00","guid":{"rendered":"https:\/\/www.ponavia-rezidence.cz\/financing\/"},"modified":"2026-06-19T13:56:22","modified_gmt":"2026-06-19T11:56:22","slug":"financing","status":"publish","type":"page","link":"https:\/\/www.ponavia-rezidence.cz\/en\/financing\/","title":{"rendered":"Financing"},"content":{"rendered":"\t\t\t\t<div class=\"component-jumbotron-media relative wysiwyg-offset\">\n\t\t\t\t\t\t\t\t\t<div class=\"relative w-full h-[90dvh] sm:h-[100dvh] overflow-hidden\">\n\t\t\t<div class=\"absolute inset-0 z-10\">\n\t\t\t\t\t\t\t\t\t<picture class=\"inline\">\n\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.ponavia-rezidence.cz\/wp-content\/cache\/image\/2560x1600-crop\/hero-financing.avif\" type=\"image\/avif\" width=\"2560\" height=\"1600\" media=\"(min-width: 1024px)\">\n\t\t\t\t\t\t<source srcset=\"https:\/\/www.ponavia-rezidence.cz\/wp-content\/cache\/image\/1280x800-crop\/hero-financing.avif\" type=\"image\/avif\" width=\"1280\" height=\"800\">\n\t\t\t\t\t\t<img fetchpriority=\"high\" src=\"https:\/\/www.ponavia-rezidence.cz\/wp-content\/uploads\/hero-financing.jpg\" width=\"2560\" height=\"1432\" alt=\"\" loading=\"auto\" decoding=\"async\" class=\"w-full h-full object-cover object-center\" gsap-animation=\"reveal\">\n\t\t\t\t<\/picture>\n\n\t\t\t<\/div>\n\t\t\t<div class=\"absolute inset-0 bg-gradient-to-b from-black\/80 via-black\/50 to-transparent z-10\"><\/div>\n\t\t\t<div class=\"container-sm relative h-full flex items-center justify-start z-10\">\n\t\t\t\t<div class=\"mt-27 lg:mt-28.5 text-white\" gsap-animation=\"slide-up\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"mb-4 prose prose-invert text-2xl\/tight md:text-3xl\/tight xl:text-[2.5rem]\/tight\">\n\t\t\t\t\t\t\tFinancing\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<h1 class=\"mb-6 text-[3rem]\/tight sm:text-[4rem]\/tight md:text-[5rem]\/tight xl:text-[6rem]\/tight 2xl:text-[7rem]\/tight tracking-tight\">\n\t\t\t\t\t\tFor new home and investment\n\t\t\t\t\t<\/h1>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"component-zig-zag my-10 lg:my-20\">\n\t\t\t\t\t<div class=\"container-sm\">\n\t\t\t\t\t\t\t\t\t<div class=\"space-y-16 lg:space-y-32\">\n\t\t\t\t\t\t\t<div class=\"grid grid-cols-12 lg:gap-x-12 xl:gap-x-16 2xl:gap-x-30 gap-y-10\" gsap-animation=\"slide-up\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"col-span-12 lg:col-span-6 rounded-2xl overflow-hidden  relative\">\n\t\t\t\t\t\t\t\t\t\t\t<picture class=\"inline\">\n\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.ponavia-rezidence.cz\/wp-content\/cache\/image\/1200x0-crop\/trikaya-ponavia-iv-exterier-2-3-4k-9-16-scaled-e1765876602942.avif\" type=\"image\/avif\" width=\"1200\" media=\"(min-width: 1024px)\">\n\t\t\t\t\t\t<source srcset=\"https:\/\/www.ponavia-rezidence.cz\/wp-content\/cache\/image\/800x0-crop\/trikaya-ponavia-iv-exterier-2-3-4k-9-16-scaled-e1765876602942.avif\" type=\"image\/avif\" width=\"800\">\n\t\t\t\t\t\t<img src=\"https:\/\/www.ponavia-rezidence.cz\/wp-content\/uploads\/trikaya-ponavia-iv-exterier-2-3-4k-9-16-scaled-e1765876602942.jpg\" width=\"1688\" height=\"1965\" alt=\"\" loading=\"lazy\" decoding=\"async\" class=\"w-full rounded-2xl\">\n\t\t\t\t<\/picture>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-span-12 lg:col-span-6 flex flex-col justify-center\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"text-4xl\/tight sm:text-5xl\/tight lg:text-6xl\/tight 2xl:text-[4.7rem]\/tight\">\n\t\t\t\t\t\t\t\tWe\u2019ll be happy to save you a&nbsp;lengthy calculation\n\t\t\t\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"mt-8 prose lg:text-xl 2xl:text-2xl text-pretty\">\n\t\t\t\t\t\t\t\t<p>The investment in the apartment should be certain, clear and without unnecessary calculations. That\u2019s why we\u2019ve prepared a&nbsp;simple tool to help you quickly estimate the return on your investment.&nbsp;<\/p>\n<p>The investment calculator will easily calculate the profitability of the selected apartment in Ponavia Residence IV. Simply enter your expected monthly rent and have the result displayed in seconds.&nbsp;<\/p>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"mt-10 flex flex-col sm:flex-row gap-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"#mortgage-calculator\" class=\"btn btn-secondary\">\n\t\t\t\t\t\tGo to the calculator\t\t\t<\/a>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t<div id=\"mortgage-calculator\" class=\"component-mortgage-calculator my-10 lg:my-20 xl:my-32\">\n\t\t\t\t\t<div class=\"container-sm\">\n\t\t\t\t\t\t\t\t\t<script>\n\t\t\tdocument.addEventListener('alpine:init', () => {\n\t\t\t\tAlpine.data('mortgageCalculator', (initialPrice, errorMessage) => ({\n\t\t\t\t\tpropertyPrice: initialPrice,\n\t\t\t\t\townResources: '',\n\t\t\t\t\tmortgageAmount: '',\n\t\t\t\t\tyears: '',\n\t\t\t\t\tinterestRate: '',\n\t\t\t\t\tmonthlyPayment: '0',\n\t\t\t\t\terror: '',\n\t\t\t\t\terrorMessage: errorMessage,\n\t\t\t\t\tisCalculating: false,\n\t\t\t\t\tjustCalculated: false,\n\n\t\t\t\t\tmaxPropertyPrice: 100000000,\n\t\t\t\t\tmaxOwnResources: 100000000,\n\t\t\t\t\tmaxYears: 40,\n\t\t\t\t\tmaxInterestRate: 15,\n\n\t\t\t\t\tformatNumber(value) {\n\t\t\t\t\t\tif (!value) return '';\n\t\t\t\t\t\tconst number = value.toString().replace(\/\\D\/g, '');\n\t\t\t\t\t\treturn new Intl.NumberFormat('cs-CZ', {\n\t\t\t\t\t\t\tstyle: 'decimal',\n\t\t\t\t\t\t\tmaximumFractionDigits: 0\n\t\t\t\t\t\t}).format(number);\n\t\t\t\t\t},\n\n\t\t\t\t\tparseNumber(value) {\n\t\t\t\t\t\treturn parseFloat(value.toString().replace(\/\\s\/g, '')) || 0;\n\t\t\t\t\t},\n\n\t\t\t\t\thandlePropertyPriceInput(event) {\n\t\t\t\t\t\tthis.propertyPrice = this.formatNumber(event.target.value);\n\t\t\t\t\t\tif(this.parseNumber(this.propertyPrice) > this.maxPropertyPrice) {\n\t\t\t\t\t\t\tthis.propertyPrice = this.formatNumber(this.maxPropertyPrice);\n\t\t\t\t\t\t\tthis.error = this.errorMessage;\n\t\t\t\t\t\t} else {\n\t\t\t\t\t\t\tthis.calculateMortgage();\n\t\t\t\t\t\t}\n\t\t\t\t\t},\n\n\t\t\t\t\thandleOwnResourcesInput(event) {\n\t\t\t\t\t\tthis.ownResources = this.formatNumber(event.target.value);\n\t\t\t\t\t\tif(this.parseNumber(this.ownResources) > this.maxOwnResources) {\n\t\t\t\t\t\t\tthis.ownResources = this.formatNumber(this.maxOwnResources);\n\t\t\t\t\t\t\tthis.error = this.errorMessage;\n\t\t\t\t\t\t} else {\n\t\t\t\t\t\t\tthis.calculateMortgage();\n\t\t\t\t\t\t}\n\t\t\t\t\t},\n\n\t\t\t\t\thandleYearsInput(event) {\n\t\t\t\t\t\tthis.years = event.target.value.replace(\/[^0-9]\/g, '');\n\t\t\t\t\t\tif(parseFloat(this.years) > this.maxYears) {\n\t\t\t\t\t\t\tthis.years = this.maxYears.toString();\n\t\t\t\t\t\t\tthis.error = this.errorMessage;\n\t\t\t\t\t\t} else {\n\t\t\t\t\t\t\tthis.calculate();\n\t\t\t\t\t\t}\n\t\t\t\t\t},\n\n\t\t\t\t\thandleInterestRateInput(event) {\n\t\t\t\t\t\tthis.interestRate = event.target.value.replace(\/[^0-9.,]\/g, '').replace(\/,\/g, '.').replace(\/(\\..*)\\.\/g, '$1');\n\t\t\t\t\t\tif(parseFloat(this.interestRate) > this.maxInterestRate) {\n\t\t\t\t\t\t\tthis.interestRate = this.maxInterestRate.toString();\n\t\t\t\t\t\t\tthis.error = this.errorMessage;\n\t\t\t\t\t\t} else {\n\t\t\t\t\t\t\tthis.calculate();\n\t\t\t\t\t\t}\n\t\t\t\t\t},\n\n\t\t\t\t\tcalculateMortgage() {\n\t\t\t\t\t\tconst price = this.parseNumber(this.propertyPrice);\n\t\t\t\t\t\tconst resources = this.parseNumber(this.ownResources);\n\n\t\t\t\t\t\tthis.error = '';\n\t\t\t\t\t\tthis.monthlyPayment = '0';\n\t\t\t\t\t\tthis.mortgageAmount = '';\n\n\t\t\t\t\t\tif (resources > price) {\n\t\t\t\t\t\t\tthis.error = this.errorMessage;\n\t\t\t\t\t\t\treturn;\n\t\t\t\t\t\t}\n\n\t\t\t\t\t\tif (price > 0 && resources >= 0) {\n\t\t\t\t\t\t\tconst mortgage = price - resources;\n\t\t\t\t\t\t\tthis.mortgageAmount = this.formatNumber(mortgage);\n\t\t\t\t\t\t\tthis.calculate();\n\t\t\t\t\t\t}\n\t\t\t\t\t},\n\n\t\t\t\t\tcalculate() {\n\t\t\t\t\t\tconst loan = this.parseNumber(this.mortgageAmount);\n\t\t\t\t\t\tconst years = parseFloat(this.years);\n\t\t\t\t\t\tconst annualRate = parseFloat(this.interestRate);\n\n\t\t\t\t\t\tthis.error = '';\n\t\t\t\t\t\tthis.monthlyPayment = '0';\n\n\t\t\t\t\t\tif (loan <= 0 || years <= 0 || annualRate <= 0) {\n\t\t\t\t\t\t\treturn;\n\t\t\t\t\t\t}\n\n\t\t\t\t\t\t\/\/ Start calculation\n\t\t\t\t\t\tthis.isCalculating = true;\n\n\t\t\t\t\t\tconst monthlyRate = annualRate \/ 12 \/ 100;\n\t\t\t\t\t\tconst numPayments = years * 12;\n\n\t\t\t\t\t\tconst monthlyPayment = loan *\n\t\t\t\t\t\t\t(monthlyRate * Math.pow(1 + monthlyRate, numPayments)) \/\n\t\t\t\t\t\t\t(Math.pow(1 + monthlyRate, numPayments) - 1);\n\n\t\t\t\t\t\tthis.monthlyPayment = this.formatNumber(Math.round(monthlyPayment));\n\n\t\t\t\t\t\t\/\/ End calculation\n\t\t\t\t\t\tsetTimeout(() => {\n\t\t\t\t\t\t\tthis.isCalculating = false;\n\t\t\t\t\t\t\tthis.justCalculated = true;\n\t\t\t\t\t\t\tsetTimeout(() => { this.justCalculated = false; }, 1000);\n\t\t\t\t\t\t}, 150);\n\t\t\t\t\t}\n\t\t\t\t}));\n\t\t\t});\n\t\t<\/script>\n\t\t<div class=\"grid grid-cols-1 lg:grid-cols-2 gap-8\" gsap-animation=\"slide-up\">\n\t\t\t<div class=\"lg:mr-10 xl:mr-20\">\n\t\t\t\t<h2 class=\"text-4xl\/tight sm:text-5xl\/tight lg:text-6xl\/tight xl:text-[4.7rem]\/tight mb-6\">\n\t\t\t\t\tMortgage Calculator\n\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"prose lg:text-2xl\">\n\t\t\t\t\t\t<p>Want a&nbsp;quick overview of what your monthly mortgage payments will be? Use our intuitive mortgage calculator. It\u2019s simple and completely no obligation\u2009\u2014\u2009just enter a&nbsp;few basic details and you\u2019ll get an indication of your repayments straight away.&nbsp;<\/p>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<div\n\t\t\t\tx-data=\"mortgageCalculator('', 'Invalid combination')\"\n\t\t\t\tclass=\"bg-secondary-100 p-8 md:16 lg:p-16 xl:p-20 2xl:p-26 border border-secondary-300 rounded-2xl\">\n\t\t\t\t\t<div class=\"space-y-5 sm:space-y-7 xl:space-y-10\">\n\t\t\t\t\t\t<div x-show=\"error\" x-cloak class=\"bg-red-100 border border-red-400 text-red-700 px-4 py-3 rounded relative\" role=\"alert\">\n\t\t\t\t\t\t\t<span x-text=\"error\"><\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"text-xl\">\n\t\t\t\t\t\t\t<label class=\"block ml-3 mb-2\">Price of the property *<\/label>\n\t\t\t\t\t\t\t<div class=\"relative\">\n\t\t\t\t\t\t\t\t<input type=\"text\" x-model=\"propertyPrice\" @input=\"handlePropertyPriceInput($event)\"\n\t\t\t\t\t\t\t\t\tclass=\"w-full bg-white border border-secondary-400 rounded-xl px-4 py-3 pr-18 text-secondary-950\n\t\t\t\t\t\t\t\t\tfocus:border-primary-500 focus:outline-none focus:shadow-[0_0_12px] focus:shadow-primary-500\/40 transition-all duration-300\">\n\t\t\t\t\t\t\t\t<span class=\"absolute right-10 top-1\/2 -translate-y-1\/2 text-xl sm:text-2xl\">CZK<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"text-xl\">\n\t\t\t\t\t\t\t<label class=\"block ml-3 mb-2\">Own resources *<\/label>\n\t\t\t\t\t\t\t<div class=\"relative\">\n\t\t\t\t\t\t\t\t<input type=\"text\" x-model=\"ownResources\" @input=\"handleOwnResourcesInput($event)\"\n\t\t\t\t\t\t\t\t\tclass=\"w-full bg-white border border-secondary-400 rounded-xl px-4 py-3 pr-18 text-secondary-950\n\t\t\t\t\t\t\t\t\tfocus:border-primary-500 focus:outline-none focus:shadow-[0_0_12px] focus:shadow-primary-500\/40 transition-all duration-300\">\n\t\t\t\t\t\t\t\t<span class=\"absolute right-10 top-1\/2 -translate-y-1\/2 text-xl sm:text-2xl\">CZK<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"text-xl\">\n\t\t\t\t\t\t\t<label class=\"block ml-3 mb-2\">Mortgage amount *<\/label>\n\t\t\t\t\t\t\t<div class=\"relative\">\n\t\t\t\t\t\t\t\t\t<input type=\"text\" x-model=\"mortgageAmount\" readonly class=\"w-full bg-white border border-secondary-400 rounded-xl px-4 py-3 pr-18 text-secondary-950\n\t\t\t\t\t\t\t\t\tfocus:border-primary-500 focus:outline-none focus:shadow-[0_0_12px] focus:shadow-primary-500\/40 transition-all duration-300\">\n\t\t\t\t\t\t\t\t<span class=\"absolute right-10 top-1\/2 -translate-y-1\/2 text-xl sm:text-2xl\">CZK<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"grid xxs:grid-cols-2 gap-2.5 sm:gap-4\">\n\t\t\t\t\t\t\t<div class=\"text-xl\">\n\t\t\t\t\t\t\t\t<label class=\"block ml-3 mb-2\">Maturity *<\/label>\n\t\t\t\t\t\t\t\t<div class=\"relative\">\n\t\t\t\t\t\t\t\t\t<input type=\"text\" x-model=\"years\" @input=\"handleYearsInput($event)\"\n\t\t\t\t\t\t\t\t\t\tclass=\"w-full bg-white border border-secondary-400 rounded-xl px-4 py-3 pr-18 text-secondary-950\n\t\t\t\t\t\t\t\t\t\tfocus:border-primary-500 focus:outline-none focus:shadow-[0_0_12px] focus:shadow-primary-500\/40 transition-all duration-300\">\n\t\t\t\t\t\t\t\t\t<span class=\"absolute right-10 top-1\/2 -translate-y-1\/2 text-xl sm:text-2xl\">years<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"text-xl\">\n\t\t\t\t\t\t\t\t<label class=\"block ml-3 mb-2\">Interest rate *<\/label>\n\t\t\t\t\t\t\t\t<div class=\"relative\">\n\t\t\t\t\t\t\t\t\t<input type=\"text\" x-model=\"interestRate\" @input=\"handleInterestRateInput($event)\"\n\t\t\t\t\t\t\t\t\t\tclass=\"w-full bg-white border border-secondary-400 rounded-xl px-4 py-3 pr-18 text-secondary-950\n\t\t\t\t\t\t\t\t\t\tfocus:border-primary-500 focus:outline-none focus:shadow-[0_0_12px] focus:shadow-primary-500\/40 transition-all duration-300\">\n\t\t\t\t\t\t\t\t\t<span class=\"absolute right-10 top-1\/2 -translate-y-1\/2 text-xl sm:text-2xl\">%<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"relative\">\n\t\t\t\t\t\t\t<div class=\"flex justify-between items-center text-xl xs:text-2xl font-semibold p-4 rounded-xl transition-all duration-300\"\n\t\t\t\t\t\t\t\t:class=\"{\n\t\t\t\t\t\t\t\t\t'bg-primary-100 shadow-[0_0_20px] shadow-primary-500\/30': justCalculated,\n\t\t\t\t\t\t\t\t\t'opacity-70': isCalculating\n\t\t\t\t\t\t\t\t}\">\n\t\t\t\t\t\t\t\t<span>Monthly instalment<\/span>\n\t\t\t\t\t\t\t\t<span class=\"relative flex items-center gap-3\">\n\t\t\t\t\t\t\t\t\t<span x-text=\"monthlyPayment + ' CZK'\">0 CZK<\/span>\n\t\t\t\t\t\t\t\t\t<span x-show=\"isCalculating\" x-cloak>\n\t\t\t\t\t\t\t\t\t\t<svg class=\"svg-spinner animate-spin h-5 w-5 text-primary-500\" aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\"><circle class=\"opacity-25\" cx=\"12\" cy=\"12\" r=\"10\" stroke=\"currentColor\" stroke-width=\"4\"><\/circle><path class=\"opacity-75\" fill=\"currentColor\" d=\"M4 12a8 8 0 018-8V0C5.373 0 0 5.373 0 12h4zm2 5.291A7.962 7.962 0 014 12H0c0 3.042 1.135 5.824 3 7.938l3-2.647z\"><\/path><\/svg>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"relative lg:absolute right-0 text-sm text-right mt-3\">* mandatory data for calculation<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t<div class=\"component-promo relative my-10 lg:my-20\">\n\t\t\t\t\t<div class=\"container\">\n\t\t\t\t\t\t\t\t\t<div class=\"grid grid-cols-1 xl:grid-cols-2 gap-6 xl:gap-28 2xl:gap-34 items-center p-5 lg:p-7 bg-primary-500 rounded-2xl\">\n\t\t\t<div class=\"order-last xl:order-first space-y-6 xl:space-y-10 sm:p-4 md:p-6 xl:p-10\">\n\t\t\t\t<h2 class=\"text-3xl\/tight lg:text-4xl\/tight font-semibold text-white tracking-tight\">\n\t\t\t\t\tEast, West, or a&nbsp;View of the&nbsp;City\n\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"prose prose-invert lg:text-2xl\">\n\t\t\t\t\t\t<p>Are you looking for an apartment that\u2019s exactly what you\u2019re looking for? Check out all 71 options\u2009\u2014\u2009with floor plans, prices, and exact locations within the building. 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