How to buy an apartment in the Czech Republic for a foreign citizen in 2025: a complete analysis of stages and conditions

When planning to invest in European real estate, many consider the Czech Republic as a stable and affordable country. However, how to buy an apartment in the Czech Republic for a foreign citizen in 2025 without violating existing legislation and minimizing risks?

The answer requires a comprehensive approach, taking into account legal, financial, and migration aspects. The country has a clear legal mechanism that allows the acquisition of real estate even by non-residents under certain conditions.

Legal framework: what do foreigners need to know?

According to current legislation, apartments in the Czech Republic are available to foreigners without serious restrictions. Ownership of residential real estate is permitted not only for citizens of EU countries but also for individuals from third countries.

How to buy an apartment in the Czech Republic for a foreign citizen without a permanent or temporary residence permit? In this case, reliable transaction support will be required, especially when registering property rights through a local notary.

In 2025, it remains mandatory to provide documents confirming the legality of the origin of funds. Also, registration of the transaction in the cadastre and coordination with financial institutions will be required if a mortgage is used.

How to buy an apartment in the Czech Republic for a foreign citizen: procedure specifics

To understand how to buy an apartment in the Czech Republic for a foreign citizen, several key steps need to be considered. First and foremost is the analysis of the property, verification of the transaction’s legality, and obtaining all necessary permits. Then, it is necessary to open an account in a Czech bank and ensure the ability to transfer funds. Only after that does the legal part of the sales contract process begin. The main stages of purchasing housing for foreigners include:

• selection and verification of the real estate property, including legal status;
• signing a preliminary sales contract;
• opening an escrow account in a Czech bank for secure fund transfer;
• concluding a notarial contract;
• registering the transaction in the land cadastre;
• handing over keys and signing the acceptance-transfer certificate.

These steps form a universal algorithm applicable to most properties. How to buy an apartment in the Czech Republic for a foreign citizen is a question that depends not on nationality but on the legal accuracy of executing the transaction.

Prague and other regions: where to look for housing?

When choosing a location, it is important to consider not only the budget but also the purpose of the purchase. Apartments in the Czech Republic for non-residents are most often purchased in Prague, Brno, Karlovy Vary, or Pilsen. In the capital, there is high demand, but prices are higher, averaging from 5000 euros per m² in the city center. In the regions, the cost is significantly lower, ranging from 2500 to 3500 euros per m².

Buying an apartment in the Czech Republic in tourist-attractive cities is suitable for rental and subsequent income generation. For personal residence, it is better to focus on quiet residential areas with developed infrastructure and no overload from tourist flows.

What documents are needed for the transaction?

The list of documents required for the transaction varies depending on the buyer’s status. How to buy an apartment in the Czech Republic for a foreign citizen without a permanent residence or visa? The solution lies in properly preparing the document package and working with a lawyer. Mandatory documents needed for real estate acquisition include:

• copy of the passport with a notarized translation;
• proof of the source of funds;
• bank statement confirming the availability of funds in the account;
• contract with a real estate agent (if necessary);
• preliminary agreement and final sales contract;
• spouse’s permission for the transaction, if applicable.

A complete set is required for registration in the cadastre and obtaining property rights.

Mortgage: is financing available for foreigners?

In 2025, Czech banks continue to provide mortgages to foreigners, but the conditions may be stricter. Usually, a higher down payment is required—around 30%, as well as proof of income within the European Union. Some banks require a permanent residence permit, while others are willing to work with non-residents with a reliable credit history.

It is important to note that the question of how to buy an apartment in the Czech Republic for a foreign citizen with a mortgage requires consultation with a specific bank. Practice shows that having an account and a long presence in the country increases the chances of approval. The average interest rate in 2025 is around 5–6% annually in euros.

Taxes and associated expenses

Additional expenses are incurred when buying an apartment in the Czech Republic, which cannot be ignored when budgeting. In addition to the cost of the property itself, it is necessary to consider the registration tax (4%), notary and real estate agent services, as well as expenses for mortgage processing and bank transfers. From a tax perspective, owning property does not entail additional obligations, except for an annual property tax.

How to buy an apartment in the Czech Republic for a foreign citizen without exceeding the planned budget? The answer is simple—carefully consider all indirect expenses and seek advice from accredited specialists.

Residence permit and subsequent permanent residency

Simply acquiring real estate in the Czech Republic does not automatically grant the right to obtain a residence permit. However, having a residential property in the country is considered an indirect advantage when applying for a long-term visa. By complying with stay deadlines and regularly updating status, the opportunity to obtain permanent residency eventually arises.

Thus, apartments in the Czech Republic for foreigners can be the first step towards full integration into the European environment. Many buyers view real estate as a means not only to preserve capital but also to obtain a stable status in the EU.

Is buying real estate in 2025 profitable?

In times of instability, the demand for stable European markets continues to grow. That is why more and more investors are wondering how to buy an apartment in the Czech Republic for a foreign citizen without facing bureaucracy. Clear transaction structures, transparent procedures, and property rights protection make the country an attractive choice.

For non-residents, buying an apartment is not only a way to preserve capital but also a path to legal integration into the European Union. A well-thought-out approach, consultations with lawyers, and precise adherence to rules allow for a quick and secure transaction!