How Foreigners Can Actually Get a Mortgage in Czech Republic (Step-by-Step Guide)

Buying your first property in the Czech Republic as a foreigner can be overwhelming — language barriers, different rules, and endless paperwork. In this episode, Michal, a mortgage specialist with 5+ years of experience, explains everything you need to know about getting a mortgage as a foreigner in the Czech Republic.

From eligibility, income requirements, and residency status to how banks evaluate foreigners differently, this guide will prepare you to apply for a mortgage with confidence.

Book a free consultation with Michal (paid by banks, not you): https://calendly.com/michalfilicko

00:00 – Introduction: Why mortgages are complicated for foreigners in CZ
01:00 – Meet Michal, mortgage specialist & how he helps clients
02:00 – Types of clients banks categorize (Czech, EU, third-country nationals)
03:00 – Residency requirements: temporary vs. permanent residency
04:00 – Income requirements: Czech vs. foreign income
05:00 – What documents you need for your mortgage application
06:00 – Employment vs. self-employment: how banks calculate your income
07:00 – Credit history in Czech Republic (no US-style credit score)
08:00 – Age and mortgage rules: under 36 benefits (90% mortgages)
09:00 – Employment length requirements & bank differences
10:00 – Why you shouldn’t just trust your home bank
11:00 – The benefit of pre-approved mortgages & which banks allow it
13:00 – How pre-approval improves your chances with real estate agents
15:00 – Language barriers with real estate agents & how to handle them
17:00 – Specific banks: how they evaluate EU & non-EU foreigners
20:00 – Special bank conditions: residency, national number, income rules
21:00 – Booking a consultation with Michal (free & online available)
22:00 – Risks with reservation contracts & why pre-approval matters
24:00 – The 30-day deadline stress: why preparation is crucial
25:00 – Escrow accounts, lawyers, and securing your purchase
27:00 – When you officially become the property owner
28:00 – How much of your own money you need (10–20% + reservation deposit)
29:00 – Interest rates: how banks calculate them for foreigners
30:00 – Risk-based conditions and hidden pitfalls to watch out for
31:00 – Real estate agent tricks & how to avoid losing your deposit
32:00 – Micko’s closing advice + how he helps foreigners step by step
33:00 – Referral bonus: recommend a friend & get rewarded

💡 If you’re a foreigner looking to buy property in Czech Republic, this video is your complete guide.
✅ Free consultation with Michal: https://calendly.com/michalfilicko
✅ Ask your questions in the comments below.

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