Czech banks to tighten investment mortgage rules from April

Czech banks will tighten limits on investment mortgages starting in April, following recommendations from the Czech National Bank, the Czech News Agency reported.

The new measures, effective from April 1, 2026, will apply only to newly issued loans. Banks expect the move to affect mortgage volumes, though not dramatically.

Under the recommendations, banks should cap the loan-to-value (LTV) ratio at 70 percent. The applicant’s total debt-to-income (DTI) ratio should not exceed seven times their annual income.