Financing a new apartment with FLET

Securing a mortgage can be simple. 
We take care of everything. 

  •  

kitchen

Thanks to our experience with financing development projects, we can help you set up a mortgage that best suits your needs, as well as your purchase schedule.

 

What we can do for you:
 

  • The most favorable terms on the market thanks to direct cooperation with banks
  • Selection of the most suitable bank and negotiation of individual terms
  • Free property appraisal
  • Preparation of complete documentation for the bank
  • Communication with the developer and bank regarding the drawing of the loan
  • Ensuring the signing of the pledge agreement and its submission to the land register
  • Supervision of the approval process until the mortgage is drawn

A mortgage is not a debt. It is a tool to accelerate the path to wealth.

I want a mortgage

10 myths about mortgages

1.

A mortgage = a debt that ties me down.

Reality: A mortgage is not debt, but leverage. It allows you to own more property sooner—and inflation devalues debt, not property.

2.

When I buy an apartment on credit, I hardly own it.

Reality: The apartment is yours from day one. The bank only has a lien – you have the increase in value.

3.

It is better to live without debt.

Reality: Without a mortgage, you deprive yourself of leverage that can increase the value of your capital 2–4 times faster. Smart debt is a tool, not a trap.

4.

Interest is money down the drain.

Reality: Interest is the price for the opportunity to own 100% of the assets with minority capital. In addition, interest can be effectively deducted from taxes.

5.

A mortgage is a risk, because what if I lose my job?

Reality: You can insure against risk. But even if you do, the property remains yours—and its value continues to grow.

6.

When I have cash, it's better to buy one apartment without a loan.

Reality: When you divide the same cash among several apartments and use a mortgage, your assets grow exponentially faster.

7.

Mortgages are not worthwhile due to inflation and high interest rates.

Reality: Inflation increases the value of real estate and reduces the value of debt. High rates are not permanent, but property remains.

8.

A mortgage is complicated and restrictive.

Reality: Today, mortgages can be set up flexibly – with special repayments, fixed-rate periods, and tax benefits. We tailor mortgages to suit your needs.

9.

I can only take out a mortgage when I earn a lot.

Reality: How you work with money is more important. Those who know how to use leverage will earn more even with a smaller income.

10.

I will pay off my mortgage as quickly as possible so I can have peace of mind.

Reality: This means you lose leverage. The capital you put into repayments is more effectively reinvested—and thus earns more than interest.

I want a mortgage

Advantages of mortgage services

We are an experienced team that understands development projects. We have direct links to developers – we know the terms, procedures, and specifics. We are on your side – we will advise, assist, and arrange everything for you.

We will also be happy to help you with a mortgage for your own home.

1.

A personal approach from start to finish

You deal with one specific person who guides you through the entire process from start to finish.

2.

No hidden fees

We provide all services, including administration and consulting, free of charge.

3.

Solutions even for more complex cases

We can also handle more complex situations (self-employed individuals, multiple sources of income, foreign clients).

I want a mortgage
living room

Contact us

 
 
 
 
 
Would you like to find out what you qualify for, with no obligation?
Get in touch with us.
Michal Šimoník

Michal Šimoník

Mortgage specialist

728 660 386 michal.simonik@flet.cz