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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.
Would you like to know the monthly payment based on the mortgage loan amount? Our calculator will give you an answer right away.
You should firstly know where you stand before investing your time into property search. Information about the max mortgage loan are crucial for you.
For EU citizens
At least 4 months of your stay in the Czech Republic and unlimited working cotract
For NON- EU citizens
1-2years (in specific cases 6months is acceptable)
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.
Not at all! There is no difference in the interest rate or the system of calculating the maximum mortgage loan. The only difference is in the conditions you need to meet outlined in the first question.
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.
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