Good Mortgage Czechia! is a podcast about the financial system of the Czech Republic specially tailored for expats living in the Czech Republic.
Specifically, we will talk about how to arrange a mortgage in the Czech Republic, what to look out for when buying a property, or how to invest your money properly so that it does not lose value in the long term.
You will be guided through the podcast by Maxmilián Rožek and Štěpán Kubeček, founders of CzechAdvisors, a financial consulting company for expats living in the Czech Republic.
Our website: https://www.czechadvisors.cz/
Starting from September 2024 there will be considerably higher fees for early repayments or refinancing of a mortgages.
How will this change affect the mortgage market in Czech republic?
10 Mar 2024
#15 Mortgages: Is It Worth Waiting For Property Prices To Fall?
I hear speculations about price reduction from clients very often, but the reality is that you usually don't see a price reduction and if you do, it is not worth waiting for such a moment, because you have to pay for the rent instead of paying the mortgage.
More in this episode!
29 Jan 2024
#14 Mortgages: Rent or Mortgage?
My experience is that if someone lives in a rental property, they often wonder whether it would be better to take out a mortgage and own the property.
But what are the objective advantages and disadvantages of both options and how to decide between them?
10 Jan 2024
#13 Mortgages: How Does The Downpayment Really Work?
There are a lot of misconceptions about down payment. So in this episode, I'll try to set the matter straight.
18 Dec 2023
#12 Mortgages: Can You Pay-off The Mortgage Quicker?
A mortgage always has a fixed maturity, typically around thirty years - the question is whether we can pay off the mortgage faster and whether there is a price for this early repayment? Find out in this episode.
2 Dec 2023
#11 Mortgages: Why Should You Take Out a Mortgage With Us?
In this episode I wanted to sumarise our main parts of our services to you, expats.
We understand the difficulty you face when buying a property in Czech republic and we want to ease up the process for you as much as possible!
6 Nov 2023
#10 Mortgages: Refinancing During Fixation Period
Not a lot of people know you can actually refinance (change your interest rate) during fixation period.
There should also be some changes to rules about early refinancing in the near future!
23 Oct 2023
#9: Investments: Guarranteed Corporate Bonds - Can You Trust Them?
In this episode Stepan will cover corporate or also called as junk bonds and their risks.
23 Oct 2023
#8: Mortgages: Is Pre-approved Mortgage Better Than a Regular One?
Pre-approved mortgage is a great product that not a lot of people know about.
In what scenario I would suggest to use it and what are the differences from a regular mortgage?
10 Oct 2023
#7: Story: Mr. Smith Is Buying an Apartment in Prague
This episodes is special because we won’t be talking about some specific topic but rather explore story of one of my clients and what interesting things we had to solve before buying an apartment.
This is a real life story of course names and numbers do not represent the reality.
26 Sept 2023
#6: Mortgages - How To Choose Fixation Correctly And Not Lose Money?
Choosing fixation is a very important step that can determine whether or not you will pay more money in the future or not.
The rules for choosing correct fixation period are quite simple, so let’s dive in together and see how does it work!
11 Sept 2023
#5: Mortgages - Common Problems: Launguage
The most basic problem expats face here in Czech republic is definitely launguage.
For some reason bank many branch workers or govermental office workers still cannot speach English properly and if so it is barely usable for ordering food not to mention explaining mortgage.
Maxmilian in this episode shows what exact problems you might face and what to be really aware of when buying a property in Czech republic in terms of launguage barrier.
29 Aug 2023
#4: Mortgages - What Documents You Need To Apply?
Summary of all the basic documents that you will most likely have to deal with when applying for mortgage in Czech republic.
This list includes evaluation, confirmation of income or residency card.
1 Aug 2023
#3: Mortgages - Common Problems: Income
Another episode of Common Problems with today's focus on income.
Proving income can be very problematic if you are self-employed or have rental income, for example.
In this episode, we'll go over the basic types of income and discuss the potential pitfalls you may encounter.
1 Aug 2023
#2: Mortgages - Common Problems: Residency
There are many forms of residency that foreigners can have in the Czech Republic.
In this episode, we'll go through them one by one and find out whether you can apply for a mortgage with a given type of residence.
You'll also learn how your home country affects your ability to apply for a mortgage.
1 Aug 2023
#1: Mortgages - Maturity, fixation, LTV and other financial terms
In this episode, we're going to go over some basic mortgage terms, such as maturity, fixation, LTV etc., so you can get a better understanding of what we'll be talking about in the coming episodes.
1 Aug 2023
#0: What Will We Talk About In Our Podcast?
The opening short episode, where Maxmilián and Štěpán talk about the format of the podcast and how their roles are divided in terms of specialization in different financial areas.
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