According to Expats.cz, mortgage rates in Czechia currently differ noticeably between lenders, and foreigners who qualify are offered the same rates as Czechs.
According to Expats.cz, comparing banks can make a real difference to the cost of a Czech mortgage: the rates cited in the article range from 4.88 percent to above 6 percent. The publication notes that the era of very low interest rates in the 2010s is long gone, so the choice of lender has a bigger impact on repayments. For foreign buyers, the article says that residency and citizenship requirements vary, but applicants who meet them receive the same rates as Czech citizens. As for the down payment, buyers typically need a deposit of 10–20 percent when purchasing a home to live in, and usually around 30 percent for an investment property. Expats.cz also reports that mortgage rates are approaching 6 percent and may rise further into early 2027. It adds that mortgage brokers and comparison tools can help foreigners assess offers, conditions and possible discounts. Only part of the article is publicly available, so the specific terms of individual banks should be checked directly with the lenders.