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LTV

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hyponamiru.cz / Glossaries / LTV

LTV is an abbreviation of “Loan To Value” and expresses the ratio between the mortgage amount and the value of the mortgaged property. The LTV is quoted as a percentage and its maximum amount is set by the Czech National Bank. Although this indicator is a recommendation by the CNB, mortgage providers follow the limits set.

Finance na bydlení

What does the LTV indicator say?

When taking out a mortgage, the bank is always interested in the value of the property being mortgaged. The LTV determines the maximum amount of mortgage the bank can give you for a given property. For example, if you are thinking of buying a flat worth CZK 3 million, the bank will lend you a maximum of CZK 2.7 million at 90% LTV.

Current LTV

The LTV is adjusted by the Czech National Bank according to the current market situation. In the past, the value of this indicator ranged from 80 to 100%. Currently, the LTV for new mortgages is allowed to be no higher than 90%. Applicants for a new mortgage must therefore cover at least 10% of the value of the property from their own savings. Those who have more of their own resources and apply for a mortgage covering, for example, 75% of the value of the property will get a better interest rate from the bank. The 90% maximum LTV limit does not apply to so-called investment mortgages, which require more own resources.

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Frequently asked questions

Can a mortgage be really arranged online?

Yes, it can. Thanks to the latest technology we’re using, you really don’t need to go to the bank to arrange a mortgage. Check it out for yourself.

With which Czech banks do you have the best experience?

The most client-oriented bank is certainly Hypoteční banka with their speed of request processing, the service quality, the range of checking accounts they offer, and the interface called “Mortgage Zone”. Other such banks include Komerční banka, Moneta and Raiffeisenbank.

Do you deal with new mortgages as well as refinancing?

Yes, we deal with both new mortgages as well as refinancing of the existing home mortgage loans. Our specialists will find a solution for you in either case – a solution you can afford.

How long does it take to arrange a mortgage?

A mortgage can be arranged within a month or three. The whole process usually takes around two months. The reason behind it is mostly the approval process on the side of the banks. However, there’re plenty of possibilities to speed up the mortgage application and we know them. Check it out for yourself.

We facilitate consumer credit as a tied agent registered by CNB under company ID number 05736501. We are also registered as an independent consumer credit broker of commercial company Broker Trust, a.s., company ID number: 26439719.

@ 2023 The company Hypo na míru s.r.o. is registered at the Municipal Court in Prague, file number C 269834, company ID number: 05736501.