Prague Morning

Can You Really Buy Property in Prague With Only 10% Down in 2026?

This article has been written by Finaram.cz, a Czech platform specializing in mortgages, home financing, and real estate advice. For many expats living in Prague, buying property feels almost impossible. Prices remain high, rents continue rising, and one of the biggest myths surrounding Czech mortgages is this: “You need millions saved before a bank will even talk to you.” But is that actually true?  Not entirely. In 2026, 90% mortgages still exist in Czech Republic, meaning some buyers can still purchase property with only 10% down payment. The catch is that banks have become much stricter about who qualifies. What Does a 90% Mortgage Actually Mean? A 90% mortgage means the bank finances 90% of the property price, while the buyer provides the remaining 10% from their own savings. For example: Apartment price: CZK 8 million Mortgage from bank: CZK 7.2 million Buyer’s own funds: CZK 800,000 For younger buyers and first-time expats, this can significantly reduce the savings needed to enter Prague’s property market. Especially considering current apartment prices. So Why Doesn’t Everyone Just Get One? Because banks now treat these mortgages much more cautiously. After years of rising property prices and higher interest rates, lenders have tightened approval standards... The post Can You Really Buy Property in Prague With Only 10% Down in 2026? appeared first on Prague Morning .