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5-Year Rate
Very accommodating to self-employed with higher income. In addition, it is one of the few that allows you to pre-approve your mortgage, and only then look for a home with the certainty that nothing will surprise you anymore.
Advantages of a KB Mortgage:
- A free uKonto banking account
- Up to 1,000,000 CZK extra without proof of purpose
- Get up to 95% of the estimated price of the property
Disadvantages of a KB Mortgage:
- 60% LTV for foreigners without permanent residence
- Does not finance real estate held for lease
If you are working and your income increased six months ago, Raiffeisenbank is the right bank for you. Unlike other banks, it does not consider the average annual income, which significantly increases the creditworthiness of customers.
Advantages of a KB Mortgage:
- A mortgage with savings offset allows you to reduce your installment payments
- For construction, you don’t need to provide proof of your own funds, and you can start drawing on the mortgage right away
- Secure mortgage financing today and find a property within 12 months
Disadvantages of a KB Mortgage:
- The bank does not accept income paid in cash
One of the Czech banks with a rich tradition. It allows you to pay off the entire mortgage without penalty three months before the end of the fixation period.
Advantages of a KB Mortgage:
- A mortgage for a rental property at the same interest rate
- Mortgages for sustainable housing with no fees and a preferential interest rate
- Get your mortgage approved today and have up to 3 years to choose a property
Disadvantages of a KB Mortgage:
- The bank does not finance foreigners without permanent residence
A great option if you have a property abroad (e.g. in Germany, Austria). It can be guaranteed.
Advantages of a KB Mortgage:
- They will take real estate in Slovakia, Germany, and Austria as collateral.
- They can provide financing for commercial property.
- Loan in EUR with an attractive interest rate.
Disadvantages of a KB Mortgage:
- The bank does not finance foreigners without permanent residence
- For entrepreneurs, income from turnover cannot be accepted
A modern bank with a pro-client approach. It is a great advantage for self-employed people working in administrative fields (e.g. IT, advertising, advocacy). It will approve up to 70% of your turnover.
Advantages of a KB Mortgage:
- No fees for drawing funds and filing a registration application during refinancing
- Repayment period extended up to 40 years
- The mortgage term can be set based on the age of the youngest applicant
Disadvantages of a KB Mortgage:
- The maximum financing limit is 15 million
The largest bank on the Czech market. It offers many advantages, one of which is the acceptance of income after three months, so the annual average is not counted.
Advantages of a KB Mortgage:
- Extract from the cadastral map will be provided by the bank free of charge
- The bank accepts income from employment from 3 months
- Bank accepts cash receipts
Disadvantages of a KB Mortgage:
- For entrepreneurs, income from turnover cannot be accepted
The only bank where you only need to have 10% of your own funds, even if you have a work visa. It also offers the possibility of reimbursement of funds already spent on the property.
Advantages of a KB Mortgage:
- An extract from the cadastre and the registry entry are provided by the bank free of charge.
- Up to 1,000,000 CZK without purpose verification.
- Simplified mortgage approval for construction and reconstruction
Disadvantages of a KB Mortgage:
- It is not possible to pledge a separate secondary building
The fastest way to the most advantageous mortgage
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How does the mortgage process work?
At this stage, we collect the necessary documents and go through the current mortgage options tailored specifically to you.
Based on your individual possibilities, we select a suitable bank and submit your application.
After mortgage approval, you’ll have enough time to search for an attractive property.
At this stage, the bank finances the property according to the terms of the agreement.
Get approved on the first try
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At Hypoflat.cz, we make it easy to compare mortgage rates and bank terms across Czechia. With our comparison tool, you can quickly find out which banks offer the best interest rates and the most favorable conditions for mortgage loans. Whether you're looking for mortgage refinancing, mortgages for foreigners, or any other mortgage products, we provide all the necessary information. Our platform allows you to compare interest rates, repayment terms, and other important factors from various banks. Use our mortgage calculator to find out how much you can borrow and what your monthly payments would be based on the loan amount. With Hypoflat.cz, you not only get a mortgage rate comparison, but also detailed insights into the bank terms, helping you make an informed decision when choosing the right mortgage for your needs.
