https://profiexpats.com/blog.html Educational guides on Czech mortgages, pensions (DIP/DPS), insurance, investing and taxes for expats, written in English by CNB-registered advisors. en Tue, 09 Jun 2026 00:00:00 GMT https://profiexpats.com/blog/blog\investing-czechia-us-citizen-pfic-fatca.html https://profiexpats.com/blog/blog\investing-czechia-us-citizen-pfic-fatca.html Tue, 09 Jun 2026 00:00:00 GMT Guide for US citizens investing in the Czech Republic: why EU funds are usually PFICs, what FATCA reporting means locally, and why US-tax-aware advice matters. https://profiexpats.com/blog/blog\how-to-choose-financial-advisor-czechia.html https://profiexpats.com/blog/blog\how-to-choose-financial-advisor-czechia.html Tue, 09 Jun 2026 00:00:00 GMT How to choose a financial advisor in the Czech Republic: verify CNB registration, how tied agents are paid, questions to ask, and red flags to avoid. https://profiexpats.com/blog/blog\investment-mortgage-czech-2026-rules.html https://profiexpats.com/blog/blog\investment-mortgage-czech-2026-rules.html Mon, 04 May 2026 00:00:00 GMT From April 1 2026 the CNB caps investment-property mortgages at 70 percent LTV and 7x DTI. Twelve practical questions about who is affected and how. https://profiexpats.com/blog/blog\eu-pay-transparency-czech-republic-2026.html https://profiexpats.com/blog/blog\eu-pay-transparency-czech-republic-2026.html Mon, 04 May 2026 00:00:00 GMT Czechia will miss the EU pay transparency deadline by 18 months. Most rules apply from 2028, with reporting for smaller firms delayed to 2031. https://profiexpats.com/blog/blog\dip-vs-dps-czech-pension-expats.html https://profiexpats.com/blog/blog\dip-vs-dps-czech-pension-expats.html Mon, 04 May 2026 00:00:00 GMT A side-by-side comparison of DIP (Long-Term Investment Product) and DPS (Supplementary Pension Savings) for expats in Czech Republic in 2026. https://profiexpats.com/blog/blog\czech-salary-swap-2026-closure.html https://profiexpats.com/blog/blog\czech-salary-swap-2026-closure.html Mon, 04 May 2026 00:00:00 GMT For years Czech employees converted part of their salary into tax-free benefits. A 2026 amendment closes the loophole. Here is what changed and why. https://profiexpats.com/blog/blog\czech-retirement-98000-czk-tax-shelter.html https://profiexpats.com/blog/blog\czech-retirement-98000-czk-tax-shelter.html Mon, 04 May 2026 00:00:00 GMT Combined with employer contributions, the Czech DIP framework shelters up to 98,000 CZK per year tax-free. Five misconceptions that stop expats using it. https://profiexpats.com/blog/blog\czech-mortgage-refix-2026.html https://profiexpats.com/blog/blog\czech-mortgage-refix-2026.html Mon, 04 May 2026 00:00:00 GMT Tens of thousands of Czech mortgage holders fixed below 2 percent in 2020-21. Those fixations end in 2026. Here is what doubling payments looks like. https://profiexpats.com/blog/blog\czech-employee-stock-options-2026.html https://profiexpats.com/blog/blog\czech-employee-stock-options-2026.html Mon, 04 May 2026 00:00:00 GMT A 2026 amendment lets qualifying startup employee stock options skip social and health contributions. Eligibility rules, who qualifies, and what stays the same. https://profiexpats.com/blog/blog\czech-2026-compliance-checklist-expats.html https://profiexpats.com/blog/blog\czech-2026-compliance-checklist-expats.html Mon, 04 May 2026 00:00:00 GMT Eight specific 2026 Czech rule changes that affect expat employees, freelancers, and homeowners. Concrete checklist of what to verify this quarter. https://profiexpats.com/blog/blog\mortgage-complete-guide-expats-2026.html https://profiexpats.com/blog/blog\mortgage-complete-guide-expats-2026.html Mon, 06 Apr 2026 00:00:00 GMT The full mortgage playbook for expats in Czech Republic. Down payments, bank tricks, credit registers, the freelancer trap, refinancing, and timing. https://profiexpats.com/blog/blog\life-insurance-expats-czech-republic.html https://profiexpats.com/blog/blog\life-insurance-expats-czech-republic.html Mon, 06 Apr 2026 00:00:00 GMT Do expats in Czech Republic actually need life insurance? Which type fits which situation, what it costs, and how it interacts with your taxes. https://profiexpats.com/blog/blog\investing-czech-republic-expat-guide-2026.html https://profiexpats.com/blog/blog\investing-czech-republic-expat-guide-2026.html Mon, 06 Apr 2026 00:00:00 GMT Practical investing guide for expats in Czechia. Tax-free capital gains after 3 years, the DIP framework, ETF choices, currency, and US citizen rules. https://profiexpats.com/blog/blog\freelancer-financial-roadmap-czech-republic.html https://profiexpats.com/blog/blog\freelancer-financial-roadmap-czech-republic.html Mon, 06 Apr 2026 00:00:00 GMT Money guide for freelancers and OSVČ expats in Czech Republic. The 60/40 tax model and its mortgage trap, social insurance, DIP, what to set aside. https://profiexpats.com/blog/blog\employer-benefits-expats-not-claiming.html https://profiexpats.com/blog/blog\employer-benefits-expats-not-claiming.html Mon, 06 Apr 2026 00:00:00 GMT Czech employer benefits most expats never claim: pension contributions, health benefits, leisure allowances and meal vouchers worth thousands of CZK. https://profiexpats.com/blog/blog\czech-pension-system-complete-guide-expats.html https://profiexpats.com/blog/blog\czech-pension-system-complete-guide-expats.html Mon, 06 Apr 2026 00:00:00 GMT How the Czech pension system actually works for expats. State pension math, DPS vs DIP compared, and what happens to your savings if you leave. https://profiexpats.com/blog/blog\czech-credit-registers-foreigners.html https://profiexpats.com/blog/blog\czech-credit-registers-foreigners.html Mon, 06 Apr 2026 00:00:00 GMT How Czech credit registers BRKI, NRKI and SOLUS work for foreigners. Why empty history is a problem and how to build a record before you need it. https://profiexpats.com/blog/blog\what-happens-czech-pension-leave-country.html https://profiexpats.com/blog/blog\what-happens-czech-pension-leave-country.html Fri, 13 Mar 2026 00:00:00 GMT What happens to your Czech state pension, DPS, DIP, and employer benefits if you leave Czechia. Refund rules, transfers, and what you can keep. https://profiexpats.com/blog/blog\mortgage-freelancers-czech-republic.html https://profiexpats.com/blog/blog\mortgage-freelancers-czech-republic.html Fri, 13 Mar 2026 00:00:00 GMT How freelancers and OSVČ holders can get a mortgage in Czech Republic. Tax return requirements, the 60/40 trap, and which banks actually approve. https://profiexpats.com/blog/blog\insurance-expats-need-czech-republic.html https://profiexpats.com/blog/blog\insurance-expats-need-czech-republic.html Fri, 13 Mar 2026 00:00:00 GMT Beyond health: the six types of insurance every expat in Czech Republic should consider. Property, liability, income protection, life, car, travel. https://profiexpats.com/blog/blog\employer-pension-contributions-expats-czechia.html https://profiexpats.com/blog/blog\employer-pension-contributions-expats-czechia.html Fri, 13 Mar 2026 00:00:00 GMT Many Czech employers contribute to employee pensions but expats don't ask. How to check eligibility, how to claim, and what it's worth annually. https://profiexpats.com/blog/blog\czech-tax-deductions-expats.html https://profiexpats.com/blog/blog\czech-tax-deductions-expats.html Fri, 13 Mar 2026 00:00:00 GMT Every Czech tax deduction expats can claim in 2026. Mortgage interest, DIP, DPS, life insurance, spouse, children, donations, plus the often-missed ones. https://profiexpats.com/blog/blog\czech-mortgage-rates-2026.html https://profiexpats.com/blog/blog\czech-mortgage-rates-2026.html Fri, 13 Mar 2026 00:00:00 GMT Current Czech mortgage rates in 2026 for expats. Bank-by-bank comparison, fixation period options, and how to negotiate a competitive rate. https://profiexpats.com/blog/blog\cost-of-living-prague-2026-expat.html https://profiexpats.com/blog/blog\cost-of-living-prague-2026-expat.html Fri, 13 Mar 2026 00:00:00 GMT Honest breakdown of living costs in Prague 2026 from a financial advisor who lives here. Rent, groceries, transport, taxes, real numbers no estimates.