What is actually changing?
In a nutshell:
- The loan installment can no longer be exceeded 45% of your income.
- Banks can finance the most 90% of the value of the property.
- The maximum duration of a home loan is 30 years.
Sounds like everything's gonna stop? Not really.
🔑 Now — the most important thing: exceptions that open the door to customers! 🚪✨
Although the rules are stricter, the CNB has left room for flexibility. Here's what he says:
➡️ Banks are allowed to approve up to 20% of housing loansoutside of these standard limits.
➡️ They have an advantage First-time home buyers, young families, buyers moving to more energy-efficient properties, and all those who realistically have good credit potential.
This means that, with good preparation and high-quality presentation of your financial condition, you can still realize the dream of your own homeAnd on very favorable terms!
🏠 How do we help you with this?
We have been working with people looking for their home for 28 years, and we know how to help in situations like this:
✅ We help you find a propertywhich falls within the scope of possible financing.
✅ We advise you how to increase the chance of getting into the exception category.
✅ We connect you with trusted credit advisors and banks that have experience with exceptional approvals.
✅ And — most importantly — We are here for you through the whole process, without stress and without unknowns.
📩 Now is the right time to inform yourself
If you are planning to buy a property and are worried about the new rules — let us know. Maybe you are in the 20% you can get. “green light”and realize your plan, even with the new rules. 🟢
Write to us, stop by the office or call usThe first step is always to talk. We know how to proceed. 😉