Property
Czech Republic — Property: Mortgage Availability
The Czech National Bank keeps an 80% loan-to-value limit (90% for applicants under 36) on owner-occupied mortgages and recommends 70% for investment mortgages from April 2026.
VerifiedGovernment / official sourceCzech National Bank — mortgage lending limitsLast reviewed: 2026-10-23
Why this matters
Relocating individuals should be aware that mortgage options may be limited, and requirements may be strict.
Key facts
- The CNB has kept the LTV ceiling at 80% (90% for applicants under 36) on owner-occupied mortgages, with the DTI and DSTI limits deactivated.
- From 1 April 2026 the CNB recommends LTV of at most 70% and DTI of at most 7 for mortgages to buy investment residential property.
- DTI and DSTI limits were last in force from 2022 (DTI 8.5/9.5, DSTI 45%/50%); the CNB can reinstate them.
- The November 2025 review found no broad systemic risk requiring statutory DTI and DSTI limits, though the share of DSTI above 40% is elevated.
Steps
- Step 1: Research and Choose a Bank — Research Czech banks that offer mortgages to non-residents and choose one that meets your requirements. Be prepared to provide extensive documentation.
- Step 2: Gather Required Documents — Gather all required documents, including proof of income, credit history, and identification. It's recommended to have a Czech resident or lawyer assist with the process.
- Step 3: Submit the Application — Submit the application to the chosen bank, along with all required documents. Be prepared for a thorough review process.