Ranking of mortgages in Czech Republic: September 2026

✓ Pros

• ✓LTV up to 90% of the property value
• ✓Rate fixation from 1 to 15 years
• ✓Up to 30% of the loan drawable with no stated purpose
• ✓Up to 4 co-applicants allowed
• ✓Quoted rate guaranteed for 30 days

✕ Cons

• ✕APRC of 5.5% noticeably above the nominal rate due to fees
• ✕Application assessment and property valuation fees together exceed CZK 10,000
• ✕The exact current rate can't be checked without the online calculator
• ✕A loan-servicing fee applies, but its amount isn't specified in our data
• ✕Published figures come from a representative example dated 2025

✓ Pros

• ✓Wide loan range from CZK 1.5 million to CZK 50 million
• ✓LTV up to 90% for applicants under 36 financing their own home
• ✓Flexible term from 10 to 30 years
• ✓Rate can drop by 0.2 pp with payment protection insurance
• ✓Free property valuation if one already exists

✕ Cons

• ✕Advertised "from 4.58%" rate applies only under specific conditions
• ✕Standard LTV capped at 80% of property value
• ✕One-off fees for valuation (CZK 5,000) and land registry entry (CZK 4,000)
• ✕Lower rate requires taking out insurance or a savings account

✓ Pros

• ✓Loan available from CZK 200,000
• ✓Free processing and provision
• ✓Free extra repayments up to 25% of principal per year
• ✓Financing up to 90% of property value
• ✓Term of up to 40 years

✕ Cons

• ✕APRC of 4.92% above the nominal rate
• ✕Requires at least 10% own funds
• ✕Fixation in the example lasts only 3 years
• ✕American mortgage and consolidation capped at 75% LTV
• ✕Maximum age of 70 at the end of repayment

✓ Pros

• ✓No fee for arranging or drawing down the mortgage
• ✓The free Chytrá rezerva genuinely reduces interest paid
• ✓Up to CZK 1,500,000 extra with no need to document its purpose
• ✓Insurance is not a condition for getting the advertised rate
• ✓Property valuation is free in most cases
• ✓Wide range of fixation periods from 2 to 10 years

✕ Cons

• ✕Rate rises above 5% p.a. from the 5-year fixation upward
• ✕The bank does not publish a specific APR or a representative repayment example
• ✕No information on maximum LTV on the offer page
• ✕The CZK 500,000 minimum loan amount may not suit small top-up financing

✓ Pros

• ✓Free early repayment at any time, partial or full
• ✓Free loan processing and account maintenance
• ✓Rate-matching guarantee against a lower competitor offer (within 30 days)
• ✓Up to 30% of the loan can be used for any purpose
• ✓CZK 7,000 bonus for refinancing clients
• ✓Term up to 30 years for self-employed people and business owners

✕ Cons

• ✕No specific APRC figure published
• ✕The "from 4.99%" rate is only a minimum for the strongest applicants
• ✕CZK 5,000 fee for changing terms or postponing drawdown
• ✕0.2% monthly fee for reserving funds
• ✕Bonus requires completing drawdown within 6 months

✓ Pros

• ✓Financing up to 90% of the property price
• ✓Free arrangement and maintenance of the mortgage (savings up to CZK 16,500)
• ✓Term of up to 35 years
• ✓Green mortgage option for energy-efficient properties and renovations

✕ Cons

• ✕The advertised "from 5.09%" rate is a minimum only — the bank's own example uses 5.29% and an APRC of 5.52%
• ✕The bank does not publicly specify which add-on products are required for the discounted rate
• ✕Property insurance is not included in the stated total cost
• ✕The example uses only a 3-year fixed-rate period

✓ Pros

• ✓LTV up to 90% for applicants under 36
• ✓Low fee for drawdown and lien registration (CZK 2,200)
• ✓Fixed rate throughout the 3-year fixation period

✕ Cons

• ✕Short, three-year rate fixation only
• ✕APRC of 5.46% p.a. — real costs higher than the nominal rate
• ✕Standard LTV of only 80% (min. 20% own funds) for applicants over 36

✓ Pros

• ✓Financing up to 100% of the property price (LTV) – suitable even without personal savings
• ✓Low loan origination and risk-assessment fee (CZK 4,900)
• ✓Free loan servicing and drawdown
• ✓Competitive rate from 5.29% p.a. (APRC 5.44%) when conditions are met
• ✓Broad range of eligible purposes – purchase, renovation, refinancing, and cooperative flats

✕ Cons

• ✕The lowest rate is only a starting "from" figure – it requires arranging life and property insurance with Komerční pojišťovna
• ✕The lower rate also requires directing income to a KB account and an energy label of class A or B for the property
• ✕The fixed-rate period in the representative example is only 3 years on a 30-year mortgage – a risk of rate changes after refixing
• ✕The total repaid amount in the example (nearly CZK 8 million on a CZK 4 million loan) shows the high impact of the long repayment term
• ✕Older properties without an A/B energy label are unlikely to reach the advertised rate