Practical mortgage guides
Real-world articles for the Czech mortgage market. Each one written for someone who actually wants to understand — not just hear a sales pitch.
Mortgage for foreigners — conditions for EU and non-EU citizens
How to get a mortgage in Czechia as a foreigner: difference between EU and non-EU citizens, down payment, documents. Practical 2026 guide.
Read EducationDSTI, DTI and LTV — all ČNB mortgage limits explained
What the DSTI, DTI and LTV limits mean for mortgages in 2026. Concrete examples, how they're calculated, where the bank stops you. Ad-free.
Read EducationAPR vs. interest rate — what's actually the cost of your mortgage
What's the difference between mortgage APR (RPSN) and interest rate? Why is APR higher and what fees does it include? Concrete examples.
Read EducationFixed vs. variable rate — what's the difference and which to choose
Fixed mortgage rate gives certainty for 5–10 years, variable changes monthly. When does which one pay off? With a 2026 calculation example.
Read Getting startedHow to choose a mortgage in 2026 — complete guide
How to choose a mortgage in 2026: step-by-step guide. Comparing offers, ČNB rules, fixation, APR, hidden fees. With practical advice for first-time buyers.
Read TacticsMortgage refinancing step-by-step — how to save hundreds of thousands
How to refinance a Czech mortgage in 2026: when it pays off, how to compare offers, what documents you need. Practical step-by-step guide.
Read TacticsEnd of fixation — the moment to refinance without penalty
Fixation is ending — what now? Why this is the ONLY moment to leave without penalty. Step-by-step procedure for 2026.
Read SpecificsMortgage for under-36 — relaxed limits and how to use them
Czech National Bank gives more lenient limits for applicants under 36. The difference is up to 1–2 million CZK extra you can borrow. How to qualify in 2026.
Read TacticsBuy vs. rent — when does each make sense?
Is it better to buy with a mortgage or rent? Real comparison for Czechia 2026 with concrete numbers, including property appreciation.
Read SpecificsMortgage for self-employed (OSVČ) — practical guide
OSVČ have it harder with mortgages than employees. Banks scrutinize 2 tax returns, interpret flat-rate expenses differently. Complete guide for 2026.
Read TacticsWhen to prepay your mortgage — and when not
Extra mortgage payments can save hundreds of thousands. But not always. The math behind when prepayment makes sense.
Read Getting startedWhat to do when your mortgage is rejected — 7 real solutions
Bank rejected you? 7 concrete strategies to still get a mortgage. Co-applicant, cooperative flat, transitional solutions and more.
Read EducationMortgage for investment property — what's different
Specifics of mortgages for rental flats in 2026. LTV restrictions, rental tax, how banks calculate creditworthiness, profitability rule.
Read EducationLoan payment-protection insurance — when does it pay off?
Banks push payment-protection insurance with mortgages. When is it really needed and when is it just a profit machine for the bank? With concrete numbers.
Read SpecificsMortgage and divorce — practical guide
Joint mortgage and divorce: who pays, who keeps the property, how to refinance to one applicant. Step-by-step procedure.
Read EducationMortgage and taxes — what you can and can't deduct
What tax deductions are available with a mortgage in 2026. Property tax, capital gains, deductible interest. Practical examples.
Read SpecificsBuilding savings and mortgage — how to combine them
How to combine stavební spoření with a mortgage in 2026. State subsidy 1,000 CZK/year, when it pays off, what changed under the new conditions.
Read SpecificsMortgage for cooperative flat — what's specific
Cooperative flats (družstevní byt) in Czechia have different mortgage rules. Which banks lend, what conditions, how to convert to ownership.
Read SpecificsMortgage for renovation — how it works
Mortgage for property renovation in 2026: what banks finance, how much you can get, payouts in installments. Practical guide.
Read SpecificsAmerican mortgage — non-purpose loan against property
American mortgage in Czechia 2026: non-purpose loan against property. When it pays off, what's the rate, how it differs from a regular mortgage.
Read SpecificsMortgage without income verification — does it exist?
Can you get a mortgage in Czechia without proof of income? Reality of so-called 'low-doc' mortgages in 2026, conditions and risks.
Read Specifics100 % LTV mortgage — myths and reality
Can you get a mortgage with no down payment in 2026? Why 100 % LTV is essentially impossible and what alternatives exist.
Read SpecificsCo-ownership and mortgage — common situations
How to get a mortgage on a co-owned property: spouses, partners, family. What rights and obligations.
Read CrisisCan't pay the mortgage — practical solutions before the bank acts
Lost your job, sick, financial trouble? How to handle a mortgage you can't pay. Procedures, deferral, sale, restructuring. Don't ignore the bank.
Read SpecificsMortgage for cottage — what's specific
Mortgage for a cottage or vacation home in Czechia. Stricter conditions than for primary residence — what to expect.
Read EducationMortgage vs. consumer loan — when to use which
When does a mortgage make sense vs. a consumer loan? Comparison of rate, term, conditions in 2026 with concrete examples.
Read SpecificsMortgage for land — rules, banks, conditions
Buying a land plot with a mortgage in 2026: stricter conditions, lower LTV. How to combine with construction mortgage.
Read TacticsSigning the mortgage contract — what to check
Before you sign a mortgage contract: 7 critical things to verify. Hidden clauses, fees, insurance, fixation conditions.
Read SpecificsPrenuptial agreement and mortgage — does it pay off?
How prenuptial agreement affects mortgage. Joint marital property vs. separate property: implications for mortgage applications.
Read TacticsWhen to buy property — does timing matter?
Should I buy now or wait? Real factors influencing timing decision in 2026: rates, prices, life stage, market cycle.
Read SpecificsMortgage employee vs. self-employed — direct comparison
Same income but different employment type — what's different on the mortgage. Concrete numbers and practical advice.
Read SpecificsMortgage and children — what changes when you have kids
How children affect mortgage qualification: maternity leave income, child allowance, expenses included in DSTI calculation.
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