Browse the handbook
Topic
Buying and owning
Whether you can buy, every cost, the mortgage, and selling or letting later.
13 guides · 4 tools
On this page
I need to…
Pick what you came to do, and go straight to the page that does it.
Guides
Read in this order if you’re new to it.
- Can foreigners buy?Yes, on the same terms as Czechs. What you can own, how to check a flat in the land register, what you need as a buyer from abroad and which taxes you pay.In English
- Buying, step by stepFrom the first viewing to your name in the land register. The checks, the reservation, the contract, the escrow and the cadastre, and what to do once the flat is yours.In English
- What buying costsThe cadastre fee, the lawyer and escrow, the deposit a bank wants and the costs of owning. What buying a flat in Czechia costs beyond its price.In English
- Is the asking price fair?How to tell whether a flat's asking price or rent is fair. Compare it with similar homes nearby, read its price history and check any address in Czechia.In English
- Mortgages for foreignersWhat Czech banks ask of foreign buyers, how much ČNB lets them lend, how the fixed rate works and when you can deduct the interest from your tax.In English
- Mortgage advisersWhat a Czech mortgage adviser (hypoteční poradce) does, the ČNB authorisation they need, who pays them, what they must tell you, and how to check and choose one.In English
- Buying off-planHow buying a flat that isn't built yet works in Czechia. The reservation, the future purchase contract, how your payments are protected, VAT, the handover and defects, and the mortgage.In English
- Co-op flatsWhat you buy with a Czech cooperative flat (družstevní byt), how the share is transferred, what to check in the cooperative before you pay, how to pay without a usual mortgage, and escrow.In English
- Panel, brick and energy labelsWhat panelák, cihla and skelet mean on a Czech listing, what living in each is like, what the energy label (PENB) measures and why so many flats show a G.In English
- Refinancing a mortgageWhen your mortgage's fixed rate (fixace) ends in Czechia, when the bank must send its new rate, when you can repay or move the loan without a fee, and what a switch to another bank involves.In English
- Home insuranceHome insurance in Czechia explained. Contents and property insurance, liability for flooding the flat below, what the building's policy covers, what a lease may require, vinkulace and claims.In English
- Selling a flatHow to sell a flat in Czechia, from the asking price to the keys. The energy certificate, when the sale is tax-free, agent contracts, escrow, the land register, and selling with a mortgage or a tenant.In English
- Letting a flatHow to let a flat in Czechia. The lease, the deposit cap, rent increases, ending a lease, tax on rent, registering a foreign tenant, checking tenants, hiring a manager and short stays.In English
Free tools
No account needed.
- Buying costsNewHow much cash do I need to buy a flat, fees and all?You need: a price, or a flat for saleOpen
- Price checkWhat do homes like mine ask to buy and to rent nearby?You need: an address or a pin on the mapOpen
- Mortgage calculatorNewHow much could I borrow, what would it cost a month, and which flats does it buy?You need: your income and savings, or a priceOpen
- Rent or buyNewWould buying leave me better off than renting, and from which year?You need: a price and a rent, or an areaOpen
Help from a professional
Talk to a mortgage adviser in your language
Bytky is choosing a few mortgage advisers registered with the ČNB. Leave your details and we'll write to you when one is ready.
We don't pass your details to anyone without asking you first, naming who it is.
Check the price before you make an offer.
See what similar homes nearby ask, for any address in Czechia.