3 Key Areas Banks Look At – Mortgage in Czech Republic

3. The Applicants – Who’s Applying for the Mortgage?

Besides your income and the property, banks also carefully assess who is applying for the mortgage. In most cases, you’ll be applying together with your partner or spouse – and the bank will evaluate your combined profile.

Here’s what matters:

Age

• Most banks accept applicants aged 18–65.
• If you’re over 50, the loan term may be shorter to ensure it’s paid off before retirement.
• Younger applicants with long-term income potential are seen as lower risk.

Nationality & Residency

• EU citizens are usually treated the same as Czech citizens.
• Third-country nationals (non-EU) may face stricter rules – some banks require permanent or long-term residency.
• Some banks won’t lend to applicants on short-term visas at all.

Marital Status

• If you’re married in the Czech Republic, you typically apply together by law (shared property regime).
• If you’re married abroad or under separate property, exceptions may apply – but you’ll need documentation.

Credit History

• Clean credit is essential.
• Banks check your history in the Czech Credit Bureau and international databases (especially if you’ve lived in the EU).
• Late payments, unpaid loans, or excessive debt can lead to rejection.

1. Number of Applicants

• You can apply solo, as a couple, or even with a co-borrower (like a parent or sibling).
• The more stable income the group has, the better – but all applicants must pass the same checks.

Other Obligations

• Existing loans, credit cards, alimony, or other debts are all counted against your affordability.
• Even if you’re approved, these obligations may reduce the total amount the bank is willing to lend.

Why You Must Pass All 3 Areas

It’s not enough to succeed in just one or two of these blocks – you need to pass all three:
your income and financial stability, the property itself, and the profile of the applicant(s).

Each of these areas is reviewed separately, but they all affect each other. The bank needs to be confident that:

• you can afford the loan now and in the future,
• the property has a stable and clear value,
• and the people applying are trustworthy, legally eligible, and low-risk.

Even strong income isn’t enough if the property is legally complicated, non-residential, too small, or located in an area with low demand. In that case, the bank may not accept it as collateral — or may reduce the loan amount significantly.

And even if the property is perfect, your application could still be declined if you’re self-employed with low declared income, have a short-term visa, or a poor credit record.

In short: all three areas need to meet the bank’s internal risk criteria. One weak spot is often enough to stop the entire process.

Need help navigating all this?
We work with clients of all backgrounds — employees, freelancers, mixed-nationality couples, and non-EU applicants — and we know which banks to approach for each situation.

We can help you understand what’s realistic, avoid banks that would say no, and structure your application to give you the best chance of success.