What Exactly Are Mortgages Without Property? A mortgage without property, sometimes called a pre-approved mortgage, allows borrowers to obtain mortgage financing from a bank without having a specific property purchase already arranged. This flexible type of lending comes with unique advantages and disadvantages compared to traditional mortgages. Defining Key Aspects To understand mortgages without property, […]

Introduction to 90% Mortgage in the Czech Republic Owning property in the Czech Republic is becoming increasingly expensive. As real estate prices continue rising faster than incomes, prospective homebuyers need larger mortgages to finance their purchases. This has led to growing demand for high loan-to-value (LTV) mortgages that require smaller down payments. A 90% LTV […]

What is an Investment Mortgage? An investment mortgage is a type of loan used to purchase a property that will be rented out to tenants rather than used as a primary residence. Unlike with a traditional mortgage, the borrowed money is used to generate rental income through real estate investments. With an investment mortgage, the […]

What is Mortgage Refinancing and Why Consider It? Refinancing a mortgage simply means taking out a new home loan to pay off an existing one. It allows you to access better terms, whether that is a lower interest rate, reduced monthly payments, or tapping into your home equity. With interest rates in the Czech Republic […]

Taking out a loan or mortgage is an important financial decision that requires careful consideration. This guide provides an overview of the main types of loans and mortgages available in the Czech Republic, the key differences between them, and the pros and cons to help you determine the best option for your needs. Types of […]

Loans allow people and businesses access to large sums of money to make major purchases or investments. While loans can provide many benefits, they also come with risks that borrowers should fully understand. This article will provide an in-depth look at loans available in the Czech Republic, how they work, and things to consider before […]

A mortgage is one of the most crucial financial tools that Czechs utilize when purchasing property. It is a type of loan designed to finance the acquisition of real estate—most commonly an apartment, house, or land. The bank provides the mortgage loan and, in return, secures the purchased property as collateral. How does a mortgage […]