Michal Filičko

Byznys

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

O bydlení

Dozvíte se vše o bydlení a realitách. Nejen o koupi nebo prodeji vaší nemovitosti. Jak funguje rezervační smlouva? Jak koupit svou první nemovitost bez přešlapů? Jak správně prodat byt? Co dělat, když mi při koupi bytu nevyjde odhad, nebo když už v něm bydlím a vytopím souseda? Tohle a mnohem víc se dozvíte do poslední cihly v podcastu o bydlení.

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. #MortgageCzechRepublic #ForeignersCZ #PropertyInvestment #CzechRepublicRealEstate

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

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