Estimate your monthly mortgage payment. Enter your loan amount, interest rate, and term to see the breakdown.
Czech mortgages typically come with a fixation period, usually 3, 5, or 10 years, during which your interest rate is locked. After the fixation ends, the bank offers a new rate, and you can either accept it, negotiate, or switch to another bank.
Most Czech banks require a minimum down payment of 10–20% of the property value. The more you put down, the better rate you'll typically get. Some banks offer 90% LTV (loan-to-value) mortgages, but the rate will be higher.
Your interest rate depends on several factors: the fixation period you choose, your loan-to-value ratio, your income stability, and current market conditions. Working with a broker like us often results in a lower rate than going directly to the bank, because we have volume-based relationships with major lenders.