Mortgages in the Czech Republic for foreigners
We help you get a mortgage for a flat or house in the Czech Republic: we assess your chances and budget, find the right bank, prepare and translate your documents and stay with you until the contract is signed.
- Consultations in English, Ukrainian and Russian
- We compare offers from several banks
- Turnkey documents and translations
Who can get a mortgage in the Czech Republic
Conditions depend on your residence status, income and the bank. Tell us about your situation and we will assess your chances.
Permanent residence
The easiest option: banks assess your application almost the same way as for Czech citizens.
Long-term residence
A mortgage is possible, but the bank may ask for a larger down payment and a stable income in the Czech Republic.
EU citizens
Easier conditions with registered residence and income in the Czech Republic.
Self-employed and business owners (OSVČ, s.r.o.)
Income is proven by your tax return; the bank looks at your business history and turnover.
Mortgage calculator
Estimate your monthly payment and check the Czech National Bank (ČNB) limits.
- Loan amount—
- Loan-to-value (LTV)—
- Total interest—
- Total repaid to the bank—
This is an estimate (annuity payment), not a bank offer. The rate, amount and terms depend on the bank, your income and residence status.
Mortgage conditions in 2026
Own funds
Usually from 20% of the property price. If you are under 36 and buying a home to live in, from 10% (ČNB limits).
Investment property
For rental flats and for a third or further property, at least 30% own funds (from 1 April 2026).
Interest rate
Depends on the bank, the fixation period and your share of own funds. The average rate on new mortgages in early 2026 was about 4.5% per year.
Term and fixation
The loan term is usually up to 30 years. The rate is fixed for 1–10 years, after which the terms are reviewed.
Transaction costs
Budget roughly 2% of the price: property valuation, cadastre registration, insurance.
Insurance
Property insurance in favour of the bank is mandatory. Payment protection insurance is optional and sometimes lowers the rate.
Documents you will need
Foreign documents need a certified Czech translation, and we handle the translations ourselves.
- Passport and Czech residence permit
- Proof of income: employer's certificate or tax return
- Bank account statements
- Employment contract or business documents
- Proof of own funds
- Property documents: reservation or purchase agreement, cadastre extract
How we help with your mortgage
4 steps from the first consultation to the keys
Consultation
We review your status, income and purchase goals and assess your chances and realistic budget.
Choosing a bank
We compare several banks and shortlist the best options.
Documents
We prepare and translate documents and help with the application and property valuation.
Signing
We stay with you until the contract is signed and registered in the cadastre.
Refinancing and other loans
Mortgage refinancing
The end of a fixation period is a good time to compare other banks and lower your payment.
Equity release loan (americká hypotéka)
A loan secured by property for any purpose: renovation, business or other needs.
Consumer loans
We help you understand the terms and prepare documents for the bank.
Frequently asked questions
Can a foreigner get a mortgage in the Czech Republic?
Yes. It is easiest with permanent residence or EU citizenship. With long-term residence a mortgage is also possible, but the terms depend on the bank, your income and how long your permit is valid.
How much of my own money do I need?
Usually at least 20% of the property price; borrowers under 36 buying their own home need from 10%. For investment property, from 30%. The bank may ask for more.
Do I need to speak Czech?
No. We explain all the terms in English, Ukrainian or Russian and prepare certified translations of your documents.
Can I get a mortgage during a probation period or as a self-employed person (OSVČ)?
In some cases yes, but banks have different requirements. Tell us about your situation and we will suggest realistic options.
How long does the process take?
Usually a few weeks, depending on the bank, how ready your documents are and the property valuation.
What if the bank says no?
One bank’s refusal does not mean all banks will refuse. We will find out why and choose a bank whose requirements fit you.
Certified translation of any document
We translate into and from Czech with a court interpreter’s certification — for MVČR, registry offices, schools, banks and employers.
- Certificates, diplomas, medical records and contracts
- Criminal records and duplicates of documents from Ukraine
- We tell you exactly which translation you need
Need a consultation?
Get in touch — we'll help you!
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get back to you as soon as possible.
The information on this page is for guidance only and is not a public offer. The lending decision is made by the bank. Credit intermediation is provided by our partner, a credit intermediary registered with the Czech National Bank; Akimov TRUST provides consultations, prepares and translates documents and supports the client.