What the bank will ask for

A checklist of documents for a mortgage in Czechia, for foreigners and Czechs alike. Every bank wants something slightly different, but this is the core that comes up almost everywhere. Tick off what you already have.

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1. Who you are

• Czech ID card or passport
• A second ID document, some banks ask for one (driving licence, passport)
• Foreigners: passport and Czech residence permit. The type of residence and how long it is valid matter a lot. Banks are stricter with temporary residence than with permanent residence.

2. How you will repay

Employees

• Confirmation of income from your employer, on the bank's form
• Bank statements for recent months showing your salary
• Employment contract. Banks want you to be past your probation period and not under notice.

Self-employed

• Tax returns for the last one or two years
• Confirmation that you owe no tax, and possibly no social security or health insurance
• Statements from your business account

The bank calculates from what you declared. Lower declared income means a smaller mortgage.

• Foreigners: ideally income paid into a Czech account. Documents from abroad usually need an official translation into Czech.

3. Your own funds

• Statement of the current, savings or investment account holding your own funds
• Statement of your building savings (stavební spoření) if you want to use it. Notice has to be given months in advance.
• Gift agreement if family is giving you the money

What counts is what you will actually have on the day you sign. Pension savings and investments that are still to be released usually don't count as your own funds.

4. What you are buying

• Reservation agreement or draft purchase contract
• Property details for the valuation. The bank usually orders the valuation itself.
• For a new build, the contract with the developer. For building a house, the building permit and budget.
• Property insurance, the bank requires it with a mortgage

5. What you already repay

• Contracts for loans, leasing and credit cards, including ones you don't use
• You know what the credit registers say about you. The bank will check, you can check first.

The bank counts an unused credit card limit as if you were repaying it. If you don't use the card, consider cancelling it before you apply for a mortgage.

This guide is general and educational, not a loan offer. Requirements differ by bank and by your situation. As of September 2026.