Foreigners, resident or not, can legally buy real estate property in the Czech Republic. There is general overview of elementary bank conditions how to get mortgage loan. It is alowed to finance real estate property for own housing or also as an rental investment, we focus on both scenarios.  The best way how to apply for credit is to use one of the top traditional international bank however some small czech bank can offer individual benefits.

EU non-residents
As non-residents banks consider clients without permanent residence in the Czech and at the same time with different nationality from the Czech Republic.

1. Maximal 80% Loan To Value (LTV)
2. Minamal 20% own savings
3. Debt Service To Income (DSTI):  max45%
Debt To Income: max. 9x
5. Temporary or permanent residnece in CZ at least 3 years
6. Incomes – employement contract from Czech with indefinite duration
7. Assured by a notarial deed of recognition of debt with permission to enforce

The granting of mortgage loan to non-residents is only possible if the following conditions are met:
– provable income in the Czech Republic,
– co-applicant is a husband/wife who has income in the Czech Republic.

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