ExpatLand.czEvžen Dacenko · Mortgages in Czechia
MORTGAGE IN CZECHIA · CONSULTATION IN ENGLISH

A mortgage in Czechia without the language barrier or the bank runaround

I help you work out which financing options fit your situation, compare available bank offers, and get from the first calculation to a closed property deal.

Free initial consultation · Prague · RU / CZ / EN / UA

Evžen Dacenko — mortgage broker in Prague, Czech Republic
10+ yearsof experience in Czech real estate and finance
10+banks compared for every application
Praguein person or by video call
RU·CZ·EN·UAconsultation in your language

Mortgage calculator

Your estimated monthly payment in 20 seconds

Property price6 000 000 Kč
Down payment20 % · 1 200 000 Kč
Rate fixation period
Loan term25 years
Rate — enter your own%
27 640 Kč
monthly payment
Loan amount4 800 000 Kč
Est. total interest3 492 000 Kč
Est. income needed**61 400 Kč

This is an estimate only, not a bank offer. The actual terms depend on your situation and the requirements of a specific bank.
** Based on a DSTI debt-service limit of ≈ 45%, per ČNB methodology.

Want to know what's available for your exact situation?

The calculator shows a benchmark. A personal calculation also takes into account income, employment, residency status, own funds, and the specific property.

Get a personal calculation

Is buying better than renting?

Property in Czechia tends to appreciate, while rent is gone for good. See the difference with your own numbers — this uses the same price and down payment you set above.

Rent for a similar flat, per month27 500 Kč / mo
Rent growth per year%

Rent in Czechia typically rises 5–10% a year, while a fixed-rate mortgage payment stays the same for the whole fixation period.

Property price growth per year%
or enter the growth over 5 years directly, in Kč:

In recent years, Czech property prices have on average roughly doubled every 5 years (≈15% a year). If that feels optimistic, lower the number to see a more conservative scenario.

Buying
Down payment1 200 000 Kč
Property value growth+1 000 000 Kč
Return on your invested money+83%
Mortgage principal paid off+430 000 Kč
Your equity after 5 years2 630 000 Kč
Mortgage payment: 27 640 Kč/mo — never changes
Renting
Paid over 5 years (with rent growth)1 680 000 Kč
Your equity after 5 years0 Kč
Rent now: 28 000 Kč/mo — keeps rising
Savings vs. renting over 5 years+540 000 Kč

Rent rises about 7% a year, while your mortgage payment stays 27 640 Kč/mo for the whole term — so the gap between paying for your own place and paying for someone else's grows every year.

Your equity if you buy Paid to the bank (mortgage payments) Spent on rent — gone for good

This is a simplified estimate: it doesn't account for taxes, repairs or maintenance, and price growth is never guaranteed. Use it as a rough guide, not a promise.

A personal quote in five short steps

No documents or ID numbers at this stage — just enough to understand your situation.

1 / 5

What are you planning?

From the first calculation to the deal

The real sequence of steps as it happens with my clients.

01

Calculation

You describe your situation in the calculator or the short quiz.

02

Consultation

We clarify your goals, income, residency status and starting parameters.

03

Financing options

I compare suitable solutions across 10+ banks.

04

Documents and the bank

I coordinate the paperwork and communication with the chosen bank.

05

Closing

Support all the way through financing completion and the keys.

One consultant instead of several banks

Comparing options

I check terms across 10+ banks in parallel, not just one offer.

Plain language

I explain things in English, without bank jargon or fine print.

Help with documents

I advise what to gather and in what order for your status and income.

Support to the end

I stay in touch from application to signing at the notary.

Evžen Dacenko — mortgage consultant in Prague

Ing. Evžen Dacenko

Mortgage and financial consultant in Czechia

I've lived in Czechia since 2008. I came here at 18 to study, and I've been through the same path many of my clients are going through: a new country, a different language, studies, first steps in a career, my own business, property, and a family.

In Czechia I earned two university degrees, in banking management and in company management, control and audit. I started working while still studying and grew into a director role within the first year. At 24 I opened my own real estate agency and started out as a realtor — later, seeing how closely property and its financing are connected, I became a mortgage and financial consultant. Today I have more than 10 years of professional experience in business, finance, and real estate.

Now I help clients make sense of mortgages and property financing in Czechia: understanding their options, comparing suitable banks, preparing for the process, and going through it from the first calculation to closing.

I try to explain complex financial questions in plain, clear language, so clients understand not just what to do, but why.

Czechia has long been my home. My family lives here — my wife and two daughters. That's why I understand well that buying property isn't just an interest rate and bank paperwork. For many people it's one of the most important financial decisions of their life.

My job is to make that path clearer, calmer, and to help you make a well-informed decision.

Vysoká škola finanční a správní (VŠFS), Prague — Ing. degree
Bankovní institut vysoká škola (BIVŠ), Prague — Bachelor's, Banking Management
EFPA certificate — professional competence under Act No. 257/2016 Coll. on consumer credit
IČO: 01870602 (ARES registry)
RefinancingInsuranceInvestmentsFinancial audit

Frequently asked questions

Can a foreigner get a mortgage in Czechia?+
Yes, a number of banks work with foreigners who have confirmed income in Czechia. Terms and the list of banks depend on your status — we'll go over this at the consultation.
Can I get a mortgage without permanent residency?+
Possible with long-term residency and confirmed income — terms are usually stricter than for residents. I'll match you to a bank suited to your status.
How do banks look at self-employed (OSVČ) applicants?+
Usually at least 1–2 years of tax returns are required. Banks vary in how flexible they are about self-employed income — there are options even for less stable income.
How much of my own funds do I need?+
As a benchmark, from 10–20% of the property price — the exact figure depends on the bank, the property, and your profile.
What documents are usually needed?+
At a minimum — proof of income, a document confirming your residency status, and details of the property. The full list depends on the bank and your situation.
How long does the process take?+
From the first consultation to approval usually takes a few weeks — it depends on the bank, how complete your documents are, and the complexity of your case.
How much does the consultation cost?+
The first consultation and bank matching are free for the client — the bank pays the commission on closing, as is standard for mortgage brokers in Czechia.
Can I refinance an existing mortgage?+
Yes, it usually makes the most sense close to the end of your current fixation period — we'll calculate together whether there's a real saving in your case.

Planning to buy property in Czechia?

Let's go through your situation and work out which next steps actually make sense for you.

The initial consultation is free.

Or reach out directly

Praguemeetings by appointment

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