the Minimal deposit for mortgages
Here is a table with maximal Loan to Value (LTV) for mortgage. This maximum LTV depends on whether the applicant has permanent residence in the Czech Republic or not.
| Mortgage bank | without trvalý pobyt (non-EU) | without trvalý pobyt (from EU) |
with trvalý pobyt |
| Česká Spořitelna | individually | 90% | 90% |
| Equa bank |
No way | 70% - 90% |
90% |
| Hypoteční banka (ČSOB) |
70% - 85% | 100% | 100% |
| Komerční banka |
70% - 85% | 90% | 90% - 100% |
| mBank |
100% | 100% | 100% |
| Raiffeisenbank | 80% | 80% | 90% |
| Unicreditbank |
80% | 80% | 100% |
| Sberbank | 60% - 80% | 90% | 90% |
Example:
You want to buy a house for 3.500.000 CZK. Then you choose Raiffeisenbank. If you have a permament residence you get max. 3.150.000 CZK (90% from 3.500.000 CZK). If you do not have a permanent residence you get max. 2.800.000 CZK (80% from 3.500.000 CZK).
