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Owning property in Czechia is a major asset, and with prices climbing, demand booming, and mortgage rates still favorable, your real estate could yield significant profit. Additional factors, like language barriers and local market policies, can make decision-making tough, especially for expats.
Does timing your sale really matter? When seeking answers to complex questions—or just needing a gut check on an investment option—enlisting the help of a trusted financial adviser will help make the process smooth and bearable. Looking for new ways to grow your funds after selling your home? Read on.
Is now the right time to sell?
The “right” time to sell is always a personal choice, but if you’re ready to part ways with your property, it’s always better to strike while the iron is hot.
The Czech real estate market is experiencing a strong revival this year, particularly in Prague. Demand for residential properties has surged, with the average apartment prices in the capital reaching around CZK 150,000 per square meter.
Tomáš Jedlička, senior exclusive consultant at Swiss Life“If you want to sell on the market, aim for the ‘high season’—March to October. Sometimes you'll find more bidders for one property, allowing you to choose the best offer.”
Local real estate experts will be able to discuss the exact best times to sell (and how to do it).
What do I do with my money after the sale?
You’ve sold your house and the money is in the bank. Your funds will sit in your account, waiting patiently for you to spend them—or grow them if you’re looking to invest.
According to Jedlička, conservative financial investments, such as investment funds or bonds can offer protection against inflation with lower volatility. Something else to consider is an American mortgage, which allows you to leverage your existing property as collateral for a loan that can be used freely.
“The best investor diversifies their investment into several products,” advises Jedlička. “Like stocks, bonds, or money market products.”
Every decision should be based on the client’s personal situation, but most advisors discourage speculative investments like cryptocurrencies or derivative products in general. Contact an expert for specialized help.
Do I really need a financial advisor to help me invest?
Sure, you could go it alone—but a seasoned financial advisory firm brings strategy, structure, and peace of mind. Their expertise lies in building well-diversified portfolios tailored to your goals, focusing on long-term returns.
You’ll get a personalized, in-depth analysis to match the right opportunities to your financial objectives. For example, when it comes to real estate, legal and transactional security is critical. A trusted advisor works exclusively with vetted legal professionals to protect your interests from start to finish.
Independent legal counsel is also essential. A qualified firm doesn’t just recommend this—they coordinate the entire process, ensuring every step is clear, compliant, and aligned with your best interests. The result? A smoother, more confident investment journey.
I’m an expat: How can I finance my next purchase?
Even after selling your home, real estate remains a compelling investment option. Given the shortage of affordable housing, residential apartments for long-term rental could provide a new home for someone relocating to the Czech Republic and excellent passive income for you.
After many years, foreign nationals in Czechia finally have an accessible mortgage market.
The period of stricter lending practices is over, and Czech banks are once again extending mortgage approvals to clients without permanent residency.
Those who can demonstrate adequate income and a strong credit profile will be swiftly on their way to home ownership. English-speaking advisors are also available at companies like Swiss Life to thoroughly explain and translate all documentation and processes, allowing clients to make confident, informed decisions.
With new options and more lenient policies, navigating the Czech mortgage system is much easier with help from a financial advisor. Their trusted insights on the market and lenders will help mitigate stress, simplify the process, and help your investments grow.
