MORTGAGE IN PRAGUE AND THE CZECH REPUBLIC
We’ll help you arrange a mortgage quickly and hassle-free.
We will find the most favorable financing options for your property and provide comprehensive support at every stage of the transaction.
About Our Company
My team and I have been working in the Czech real estate market for over 8 years.
During this time, we’ve gained the expertise to solve any challenges with maximum benefit for our clients. We ensure the safety and transparency of every transaction and respond promptly to changes in legislation.
Our clients' time and comfort are our top priorities. We handle each transaction from start to finish, addressing as many of your needs as possible.
You’ll receive consultation on all necessary mortgage documents, assistance in selecting the right bank, property evaluation, full legal and accounting support at every stage of the process.
Simply come in for a consultation, and we’ll take care of the rest!
8 Reasons to Get a Mortgage in the Czech Republic
Low Interest Rates
The average interest rate for mortgages in the Czech Republic ranges from 1.8% to 3.5% per year.
Affordable Down Payment
According to the Czech National Bank, clients only need to pay 10%–20% of the total property value as a down payment.
Mortgage Accessibility
You don’t need to be a Czech citizen to qualify for a mortgage. A residence permit (temporary or permanent) is sufficient.
Assistance from a Financial Consultant
A financial consultant can help you find the right bank and provide a free analysis of all market offers.
Multiple Mortgages
There is no limit to the number of mortgages one individual can obtain.
Working Capital
The ability to provide the bank with your turnover instead of net income.
Income from Future Rentals
To enhance your creditworthiness, you can declare that the property is being purchased as an investment and will be rented out.
Mortgage Refinancing
You can refinance your mortgage with another bank after the fixed-rate period ends.
Stages of Mortgage Processing
1
Selection of a Bank and Submission of an Application
The application includes the applicant's personal information, employer details, purpose of financing, general mortgage terms, and other relevant data.
2
Client Verification in Registers
A check is conducted in banking and non-banking registers to assess the client's profile.
3
Income Verification
The client is required to provide proof of their income earned in the Czech Republic.
4
Property Appraisal
If the market value of your property is €100,000, the appraiser may evaluate it at €95,000.
5
Mortgage Approval and Contract Signing
Once your mortgage is approved by the bank, the purchase agreement is signed.
6
Money Transfer
For transaction security, the transfer of funds is carried out using a bank safe deposit box.
7
Preparation of the Complete Document Package
Preparing the documents required for property registration.
8
Done!
Now you are the owner of your own property in the heart of Europe
Our team includes a lawyer, a property appraiser,
a mortgage consultant, managers, and professional real estate agents (realtors). We handle any task efficiently and effectively, saving you both time and money.
a mortgage consultant, managers, and professional real estate agents (realtors). We handle any task efficiently and effectively, saving you both time and money.
Reviews
- I can say that this company made me feel home, the apartments and the welcoming they offer is second to none iam glad that I came across this company and its my pleasure to be part of their clients
Good job MReality
You deserve my at most respect
And I wish you best of luck
ThanksAnna Dvorzakova - This real estate agency is very good... And Maxim is very fine, nice and straightfull person.. he helped me to rent flat for me and my family and i know that if i will need anything inside the flat i can just contact him and he will help me with everything... am so happy that i found really good real estate agency with this good reality man
Maxim..If someone wanna rent house or flat or just need help for put his own house or flat for rent he can help you very well!!!!Martina Masopustová - Maxim is a very pleasant, meticulous and knowledgeable Real Estate agency owner. Firstly, his agency provides real estate management services among others, which I was very happy with - he found a lovely renter for my flat at a good price and kept both me and them carefree for the duration of the rent period. In a later stage, he had managed an extra attentive flat sale for me, with maximal pricing and minimal hassle from my side. The whole marketing and legal outfit which he provided worked seamlessly and the sale concluded well and quickly. I will definitely use his services again in the future and warmly recommend him for any real estate needs in Prague.Van Bo
- Thanks to Maxim for greatly simplifying my move to Prague and finding an apartment. Reacts very quickly to all emerging questions and problems. Literally in a week they did what I myself tried for almost a month. Even after receiving payment and completing the contract, it helps with minor issues that arise.Alex Smith
Contacts
We are available to answer your questions and calls from 8:00 AM to 8:00 PM Prague time.
Leave your question in the form on the right, and our agent will contact you within the next hour.
If you are interested in multiple real estate services, please list them briefly. We will assist you with finding solutions.