The most common case where pre-mortgage loans are used is when the real estate has not yet been entered in the real estate register or the seller refuses to sign a pledge contract.

Does your mortgage?s fixation term end in 2008? Then now is the right time to start thinking about how your mortgage payments will increase considerably next year. Now is the best time to avoid this.

Are you considering buying a flat or house and aren?t able to prove your incomes to the bank as required? The solution is the chance to get a mortgage without the need for proving the necessary incomes.

Do you want to buy a flat or build a house and are you deciding how to finance your new real estate? Besides mortgage loans, in recent years the Czech financial market has offered an interesting financing alternative in the form of long-term loans from home saving banks.

With their much lower prices than privately owned flats, cooperative flats are an attractive option for people looking to acquire new housing. The restrictions on using a mortgage make acquiring a new cooperative flat more difficult, though. So what options are available for people wanting to buy a cooperative flat on a mortgage?

The advantages that long-term loans from home saving banks offer are genuinely rare in mortgage loans.

When buying real estate through an estate agent, a reservation deposit usually has to be put down first. The reservation deposit is not intended for the seller ? it usually constitutes the agent?s commission for brokering the deal. You will gain much greater certainty when buying real estate if you abide by the following simple principles.