HI! I´M Lenka, the INDEPENDENT mortgage broker FOR PAST 11 years.My support is free for you!
My easy idea is to be helpful when you have a plan to buy some property in the Czech republic.
I know how difficult it is to stay in foreign country, when you don´t understand Czech language. Cooperation with expats is my everyday work. If you visit my website, you can check testimonials (some of them you can find by Google). We can do all the mortgage process on-line.
When you contact me, I will find your needs to know more about you.
Eg., your imaginations for the future to buy, net income, age, costs... We can be in touch by Zoom, Google meets, WhatsApp, sms, E-mail or have a call... We can also meet personally in my office or at your home, or another area. In my everyday work I see, most people prefer working on-line:)
My job is also to negotiate interest rates and complete conditions with Czech banks.
When we make a decision where to go, which bank, we can make a decision to cooperate together and continue with choiced bank.
We will start with a mortgage application. I will collect all documents for the bank from the first contact to the date I go to Cadastre, make the bank send money to the seller.
All the process is up to me, if there comes difficulties during the process, it's my who will solve this.
In the process I'm usually in touch with the saller of the chosen property.
I can negotiate the price with a real estate agent if needed at the beginning.
I can be helpful with arranging a reservation contract from an agent and be ready to sign it. I checked all documents about the property including the purchase contract.
Hope, I will be helpful for you in all czech rules.
You have to have your property safed. When the bank provides a mortgage your property has to be insured (it is paid once a year). I can also help with this, I cooperate with all czech insurance companies. Can do this support directly for you.
16 banks in portfolio
I have 16 banks in my portfolio. Each Czech bank has different rules and conditions. Between banks are also differences in Debt to income/DTI and Debt Service to Income/DSTI. DTI and DSTI make your mortgage higher, or lower, depending on your income and costs.
You can ask me for a maximum mortgage before you start finding property.
Mortgage can be provided up to 90 % Loan to value/LTV.
Mortgage without proof of income
I can also arrange a loan without proof of income for each age... It is a special product which can be helpful for somebody who has "the problem to show formal income", for some businessmans, or for "older people" (35y maturity could be also for person in age 50,60 etc). At this case we do just appraisal, there are less steps, less rules, quick process. This product is more expensive than standard mortgage.
FOR MORE INFORMATION
Lenka Vagnerova
+ 420 720 029 255
lenka@lenkavagnerova.cz