Most of our clients don't pay cash. We'll walk you through your options, work out what makes sense for your situation, and help arrange financing — whether in the Czech Republic or in the country where you're buying.
The most common route. Your Czech property serves as collateral, and you use the funds to buy abroad. You deal with a bank you already know, in Czech, with no currency risk on the loan itself.
A loan secured by property with no restriction on its use. The bank doesn't ask what you'll spend the money on, so buying abroad isn't an obstacle.
No collateral needed. Makes sense for smaller amounts or as a top-up to your own funds — for example, to furnish an apartment.
Some banks in Georgia and Albania lend to foreign clients too, usually secured directly against the property being bought.
If you repay the loan in koruna while the property is priced in euros, exchange-rate movements change the real cost of your investment. With rental income in euros, it can work the other way too, as a natural hedge.
Financing approval takes weeks, not days. Set the developer's reservation deadline with this in mind, not the other way around.
Foreign developers and banks usually want documents in English, sometimes with a certified translation. We'll help you prepare what's needed.
Arrangement fees, valuation, insurance, and international money transfers can move the final cost more than a tenth of a percentage point on the rate.
Tell us which property you're interested in and how much of your own funds you have. We'll get in touch and go through which financing route makes sense in your case.
