Reverse Mortgage

Have an advantage over other buyers. Get a mortgage even if you haven't found your dream home yet.
When you find the right house or apartment, you can take out a mortgage immediately.

Arrange financing in advance

You know in advance what mortgage you can get and the value of the property you can choose.

Quick negotiation

With an approved mortgage, you can deal with the estate agent and seller more quickly. 

Have an advantage

You get your money faster and don't miss out on an opportunity that may never come again.

How Reverse Mortgage works

Calculate your mortgage

You can calculate your mortgage in our calculator where you can easily find out how much we can lend you. We will send you the offer via email just click on Získat nabídku. We guarantee the interest rate for 30 days.
Then you can proceed to the mortgage application or choose a date for us to call you. After submitting your application, our mortgage advisor will contact you to resolve everything together.

Calculate mortgage

Find your dream home

Once you have signed the loan agreement, you can concentrate on finding the right property, for which you have 23 months.

Draw the loan

From the signing of the contract, you have 24 months to draw down the mortgage. The loan amount will be disbursed as soon as all requirements and drawdown conditions have been met.

Detailed product information

Product description

With a reverse mortgage, you won't miss any interesting offers.

You can borrow up to CZK 20 million.
You can repay the loan for up to 30 years.
You have 23 months to find a property and 24 months to draw the mortgage.
You can finance the purchase of an apartment, a house or a cottage.
We will arrange the valuation of the property for you.

FAQ

Frequently asked questions

I have signed the mortgage agreement and have 24 months for loan drawdown. What is the deadline for finding the property to buy?

You have 24 months to buy the real property. However, we recommend that you choose one within 23 months from the loan agreement date.

I have found the property that I wish to buy using my Reverse Mortgage. What should I do now?

Contact your mortgage advisor who will be pleased to assist you with everything. He or she will help you get an appraisal of the property and draw the loan.

The real estate agency presented me with a draft purchase agreement. Can I sign it, as I already have concluded the loan agreement and arranged for the funds?

Please show us the draft purchase agreement before signing it. It may be a technicality, yet in some cases we may require minor adjustments to the agreement. Most often this applies to situations where the seller of the property also has a mortgage loan which will be repaid from your loan.

Documents

Mortgage documents

Application for a mortgage Application for a mortgage - enclosure Income Confirmation

Product description

FAQ

Documents

With a reverse mortgage, you won't miss any interesting offers.

You can borrow up to CZK 20 million.
You can repay the loan for up to 30 years.
You have 23 months to find a property and 24 months to draw the mortgage.
You can finance the purchase of an apartment, a house or a cottage.
We will arrange the valuation of the property for you.

Our mortgage centers

Would you prefer not to handle the mortgage online, but rather in person with our mortgage advisor at a mortgage center? Visit us at one of our mortgage centers.

Choose a mortgage center