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Mortgage loan

If you want to finance a property with a mortgage loan, the first thing I would highly recommend is to find out your financial possibilities. Some clients have saved a significant portion of money, others barely hundreds of thousands of Czech Crowns. You should be careful in such a cases. Monthly loan repayments should not exceed 30 to 40% of the monthly household income. In addition, clients should have an iron reserve of 2 to 6 times their monthly expenses. There must also be room for additional reserves in the budget, as life does not end with a mortgage.

If you would like to see some of the mortgage loan products available on the Czech market on your own, before I’ll hand you over to a mortgage specialist, I have prepared a list of mortgage banks and their products across the Czech Republic on another of my websites –

Important factors of a mortgage loan:

  • Purpose of the loan
  • APR rate and fix rate terms
  • Terms of loan
  • Mortgage application fee
  • Possibility of early pay off and early pay off fee
  • Downpayment and loan length
  • Insurance
  • Sanctions and bonuses


  • The agent will provide you with a financial advisor.
  • The agent will provide you with a mortgage agent who will find you the best mortgage loan for your needs.