Temporary protection and mortgages (dočasná ochrana)
A residence status Czechia grants to people fleeing the war in Ukraine under Act No. 65/2022 Coll. (lex Ukrajina), based on an EU Council decision. It is extended by registration, each time until 31 March of the following year (now 31 March 2027), and the EU has extended it until 4 March 2028. Only a few banks lend to holders, on stricter terms: see mortgage for Ukrainians with temporary protection.
Example
A Ukrainian family with temporary protection and a Czech net income of CZK 60,000 wants a flat for CZK 4,000,000. The bank allows LTV 70 %, i.e. a loan of CZK 2,800,000 over 25 years at 5.00 % with a payment of CZK 16,369. The family must document own funds of CZK 1,200,000 from a Czech account or a verifiable transfer.
In practice
For residence purposes, holders of temporary protection are treated as foreigners with a long-term visa.
Banks usually want extended protection, a permanent employment contract in Czechia outside the probationary period (zkušební doba), Czech income and several months of account statements; LTV tends to be 70–80 %. A co-applicant with permanent residence or Czech citizenship helps. Ask more than one bank, because conditions differ fundamentally and many do not work with temporary protection status at all.
How it differs
Banks see permanent residence (trvalý pobyt) quite differently: it is unlimited, and its holders are treated almost like citizens, while temporary protection is time-limited and riskier for the lender. Asylum is a different institution under the Asylum Act. EU citizens need none of these statuses for a mortgage.
Frequently asked questions
Can you get a mortgage with temporary protection?
Yes, but only at a few banks and on stricter terms: they usually want extended protection, Czech income from a permanent contract outside the trial period, and often an LTV of at most 70–80 %. Ask more than one bank.
Until when is temporary protection valid?
In Czechia until 31 March 2027; each registration extends it to 31 March of the following year. The EU has extended the protection itself until 4 March 2028.
What is special long-term residence?
A five-year residence permit for holders of temporary protection who have lived in Czechia for at least 2 years, support themselves and meet the other conditions. Registration runs from 1 October to 31 December 2026, and there is no legal entitlement to the permit.
Related terms
In-depth guide
Calculate your own situation
Instead of abstract definitions — enter your own parameters and see the result for yourself. No registration, no form, no salespeople.