Not yet? We encourage you to hurry up! Useful tips, description of the mortgage loan market and process, the introduction of our comprehensive mortgage loan services, piece of inspiration, stories of our clients, and much more.
Experience the real complexity of the mortgage loan services for expats with Check to be Czech. We believe that the combination of professionalism, 7 years of experience on the market, human approach, and wide pallet of services is the right combination to serve you with the above standard mortgage loan services and a pleasant environment for our cooperation at the same time. Even such a life-changing situation in a “foreign” country can be one to enjoy.
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Principal & Interest 1421Kč
Monthly Taxes 1421KčInstructions
For EU citizens
80% of banks are requiring aa temporary residency which means we are able to process a mortgage with no residency in the Czech Republic.
For NON-EU citizens
You are required to have at least a long-term visa for the particular purpose (work or business). Permanent residency is not required by 85% of the banks.
You are generally provided with the information that refinancing is possible at the end of the fiation period. The truth is, you can refinance it whenever you want. There are fees calculated by the bank for the earlier repayment. What we do is, that we take the fee and compare it with the total savings you get from the lower interest rate and discuss if it motivates you enough to refinance your mortgage loan.
Yes, you just need to provide the bank with at least one full tax return and prove 12 months of your „entrepreneur“ history in the Czech Republic. The nett income is calculated from your tax base or the overall income in the particular year (line 101 or 113). That depends on the bank we will choose together.
Limited contract must be at least a year before expiration with 6 months already having passed. It's not necessary to prove the extension of the contract.
No, the minimum downpayment is 10% so the bank is providing a mortgage loan up to 90%.
OR you can get 100% mortgage loan in case you own another property and put it up as a collateral.
During the fixation period, you can pay up to 25% annually from the mortgage loan without any fees. However, be aware that it must be in a particular period of the year depending on the date of your mortgage signature.
At the end of the fixation period you can pay the entire mortgage loan from your own sources or refinance the mortgage to another bank. Free of charge.