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4. We submit the application to the bank (within 1 day of complete documents)

Once we have all the application documents, we submit it to the bank. A complete and correctly submitted application prevents unnecessary questions from the bank.

5. We run a scoring check in the credit registers (within 1 business day)

The bank verifies your creditworthiness by checking the bank and non-bank debtor registers. The scoring result determines whether and under what conditions the loan is approved.

6. We order the property valuation (within 3–10 business days)

The bank has the property valued by a contracted appraiser. The resulting valuation determines the maximum loan amount — it is one of the key inputs to the approval.

7. We compile and hand over for approval (within 2 business days)

After receiving the valuation, we compile the documents and hand them to the banker for approval. If the bank requests additional information during the process, we coordinate what exactly to provide and in what format.

8. We wait for the bank's approval (within 2–5 business days)

The bank internally assesses the case and issues a decision on approval or rejection. If additional information is needed, we are in contact with the banker and actively monitor the progress.

9. We sign the documents (as agreed)

After approval, the bank prepares the loan and pledge agreements. We review the contracts carefully before signing — especially the drawdown conditions, insurance requirements, etc.

10. We draw down the funds from the bank (as agreed)

We coordinate the fulfilment of all drawdown conditions — registering the pledge in the cadastre, arranging property insurance and providing other bank requirements. We monitor deadlines and communicate with all parties so that the release of funds runs smoothly and on time.

11. You register for the real estate tax (by January 31)

After your ownership is recorded in the cadastre, you are required to file a real estate tax return — once, by January 31 of the following year. It is filed at the regional tax office according to the property location, or electronically via the Moje daně portal. In subsequent years, you will automatically receive a payment notice. The tax is due by May 31.