100 % LTV mortgage — myths and reality
Can you buy a property in Czechia with a mortgage covering 100 % of the price? In 2026 the answer is essentially no — but with creative structuring, similar effect is possible.
Why 100 % LTV doesn't exist
ČNB caps LTV at 80 % (90 % for under-36s). Banks cannot legally lend more on a single property mortgage. So pure 100 % LTV from one bank is impossible.
Some banks offered 100 % LTV before 2017. Now banned. Don't trust any advertisement claiming 100 % — it's misleading.
How buyers work around it
- Combination mortgage + consumer loan — primary mortgage at 80 % + unsecured loan for the remaining 20 %. Total cost much higher (consumer loan rate 8–12 %).
- Mortgage + American mortgage on another property — if family has another property, take American mortgage on it for the down payment.
- Family loan — parents or relatives lend the down payment, you pay back over time. Most common solution.
- Cooperative flat — different rules, can be acquired with less own funds.
Should you do this?
Generally no. The reason ČNB caps LTV is risk: with no skin in the game, you have no buffer if prices fall. Negative equity becomes likely.
If you really can't save 20 % down, that's a signal you may not be ready to buy. Wait, save more, or consider a smaller property.
FAQ
What if a broker offers me 100 % financing?
Be very skeptical. Most likely it's a combination of products with hidden costs. Ask for total cost breakdown including all loans, fees, insurance.
Can under-36s get 100 %?
No, the ČNB exception is 90 % LTV (10 % down required). 100 % is not available regardless of age.
What if I have a guarantor with property?
Banks can sometimes accept additional collateral (parent's property as second-lien) to effectively reduce LTV requirement on yours. Talk to bank case-by-case.