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Stricter investment mortgage conditions from April 2026: what they mean when selling an investment apartment in the Czech Republic
From 1 April 2026, the Czech National Bank (ČNB) recommends that lenders apply a maximum LTV of 70% and a maximum DTI of 7 to defined investment mortgage cases. This does not restrict an owner’s ability to sell an apartment. It can, however, affect the purchasing power of some buyers: certain investors may need more […]
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The Buyer Is Paying with a Mortgage: What It Means for the Seller
A buyer using a mortgage is not automatically a problem for the seller. It does, however, mean that a bank, property valuation, mortgage lien documents and carefully drafted escrow conditions become part of the transaction. As a seller, you mainly need to know when the purchase price is secured and under what conditions it will […]
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Selling a Property with a Tenant in the Czech Republic: What Owners Need to Know
Yes, you can sell a flat, house or investment property in the Czech Republic even if there is a tenant living in it. The tenancy usually does not end automatically when the property is sold. In most cases, the buyer becomes the new landlord and takes over the rights and obligations connected with the lease. […]
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Selling a co-owned property in the Czech Republic: what to do when you do not own the flat, house or land alone
A co-owned property in the Czech Republic can be sold, but the first step is to understand what is actually being sold: the whole flat, house or land with the consent of all co-owners, or only an ideal co-ownership share. In practice, selling the whole property together is usually the most effective option. If agreement […]
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Selling a Property in Enforcement or Insolvency in the Czech Republic: When It May Be Possible and What to Check
A property affected by enforcement proceedings or insolvency may sometimes be sold. It should not, however, be treated as a standard sale without first checking the legal status, the Land Register entries and the people or institutions whose cooperation may be required. In an enforcement case, this may involve the enforcement officer and creditors. In […]
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Property Purchase Agreement in the Czech Republic: What a Seller Should Check Before Signing
A property purchase agreement is not just the final signature. As a seller in the Czech Republic, you should check four things in particular: whether the agreement describes the property correctly, when and under what conditions you will receive the purchase price, who will file the application for registration with the Czech Land Register, and […]
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