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How to get a mortgage in the Czech Republic?

1. You apply to the agency EU-REAL sro. Mobile phone in Prague +420 777 22 00 88 Telephone +420 257 320 626, contact: Nick Stepanenko, Elena Erushina. The address of our office in the CONTACT section.

All the technology design, the necessary forms, powers of attorney and other documents to obtain credit, you will provide professional banking consultants working in the company EU-REAL.

2. EU-REAL prepare all necessary documents to obtain credit. Experienced Lawyers Czech Agency EU-REAL - members of the Chamber of Lawyers CR guarantee the purity and reliability of the transaction, if you do not have company in the Czech Republic, then sign up for your company, provide full legal support. Our firm of accountants and tax advisers, for its part will take care of the correctness of your company and registration of transactions and payments.

3. Agency EU-REAL The database will provide you with an extensive all types of real estate or the Czech Republic will select the object you want on your individual order.

Credit is available for buying apartments, houses, land, building houses, and the purchase of larger objects, such as hotels, office buildings, etc.

Design, consultation, complete check of real estate, preparation or adjustment of contracts, transfer agreements and other documents into Russian court interpreter, if necessary for the banks, as well as a mortgage loan - the whole procedure is carried by our company under the control of the Czech lawyer - a member of the Chamber of Lawyers .

4. In our agency you will have a free professional consultation, which may offer a mortgage program from a few major banks in the CR, and depending on whose program the bank for you at this time would be most beneficial, you can choose your ideal option.

Banking consultants perform weekly monitoring of all major banks in the CR, which allows customers to ensure EU-REAL most favorable conditions for obtaining credit.
Who can get a loan in the Czech Republic and what is needed?

1. Individuals who have permanent residence in the territory of the Czech Republic.

2. Legal persons (companies), registered in the Commercial Register of the CR. When selecting some loan programs in this case, the presence or absence of a visa have credited the alien is irrelevant. Credit may be issued as new just registered firms, as well as the already existing company with a long credit history and existing permanent income.

In our experience, banks prefer to deal precisely with the new firms that have no history and were founded with the purpose of acquiring real estate.

Our company is EU-REAL has issued loans to hundreds of families from Russia and neighboring countries in the Czech Republic's leading banks, such as Raiffeisen Bank, the bank Ceska Sporzhitelna, Mortgage Bank, Uni Credit Bank, Komercni Bank and others
Terms of mortgages for foreigners:

In connection with the tightening of banks' requirements presented in the Czech Republic, to the issuance of mortgage credit, beginning in January 2009 mortgage jur. person may be issued in an amount not to exceed 70% of the appraised value.

If you only need a mortgage loan of up to 55% of the appraised value of the apartment, then to you nothing except a registered company in the Czech Republic would be required. All other required documents and information prepared by our agency.

If you want to get a loan amounting to 70% of the appraised value of real estate, you need the following documents:

1. Opening of a new company with activity - for rent.

2. All of the founders of the firm are the guarantors of the loan, therefore, each of the co-sponsors will sign a variety of banking and other statements and commitments, so if the personal presence of founders for some reason not possible, it will be necessary powers of attorney, preparation of which will also provide our agency.

3. To obtain a loan amounting to 70% of the appraised value of the property will need to provide information about your income from the country of nationality or the territory of the Czech Republic. A more detailed list of required documents confirming the income you will be given when you contact our agency.

4. Basic terms of lending entity (firm) - maximum 70% of the appraised value, the natural person with permanent residence - up to 75% of the appraised value, max. term lending entity - 20 years old, a natural person - 40 years, depending on the age and type of credited loan interest rate - from 5,5 to 7,8% per annum, depending on the type of lending, fixation time, amount, and so d.

Credit account - from 50 to 300 kroons per month, depending on the bank.

5. Collateral: mortgages, notarial act on the recognition of the debt and the possibility of non-judicial solutions selling real estate in the event of default on the loan, some banks and a deposit account at 6 monthly payments on the loan.
The benefits of mortgage lending unquestionable and obvious:

1. Mortgage - this is an opportunity to become owner of the property in the short term and move into his own apartment, without spending the money to pay rent, as well as draw a residence permit required for obtaining a visa.

2. Mortgage - is an investment. Prices are rising, but you pay in installments the cost of your property fix.

3. Mortgage loan can be repaid early without penalty.

If you have any questions, please contact by phone in Prague
(+420) 777 22 00 88 mob. or (+420) 257 320 626 Stationary
or send your questions by e-mail: info@eu-real.cz
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