One Ostrava–Zábřeh flat. The whole model, nothing locked.

The facts below come from our stored advertisement snapshot. The original page may no longer display every field.

The model estimates rent from floor area and location. The assumed monthly rent excludes utilities; the rate per square metre is rounded. Check local comparable rentals before relying on it.

Estimated monthly rent

10 100 Kč

Approximate rent per m²/month

337 Kč

An illustrative mortgage, not a bank offer. A foreign buyer’s eligibility, deposit and rate may differ. Confirm financing with a lender.

Loan-to-value

70.0%

Annual interest rate

4.5%

Term, years

25

Mortgage

805 000 Kč

Deposit

345 000 Kč

Estimated purchase costs

46 000 Kč

Total cash invested

391 000 Kč

Monthly repayment

4 474 Kč

Interest over 25 years

537 335 Kč

Vacancy and maintenance are percentages of rent. Insurance and property tax are model assumptions, not verified bills. Building fees and management costs are not established by the advertisement.

Annual vacancy reserve

8.0% · 9 696 Kč

Annual maintenance reserve

5.0% · 6 060 Kč

Annual insurance estimate

1 584 Kč

Annual property tax estimate

624 Kč

Total annual costs

17 964 Kč

Monthly costs

1 497 Kč

Ask for the owners’ association (SVJ) budget, repair fund and loan statements. Any owner-paid charges missing from this model reduce monthly cash flow by the same amount. Do not assume a tenant pays the repair fund.

The purchase price stays unchanged. Each scenario recalculates rent-linked reserves, yield and monthly cash flow. Passing the arithmetic is not a substitute for property checks.

This historical illustration keeps rent, property value, interest and all costs constant. It is not a forecast and does not model future inflation or refinancing.

Illustrative cash payback, without selling the flat: 7.9 years.

• Resale liquidity: do not assume a quick exit. Check comparable sales and local demand rather than treating a regional flat like a Prague investment.
• Tenant turnover: a small 1+1 flat may have shorter tenancies. The vacancy reserve is an assumption, not evidence of occupancy.
• Rent estimate: no signed tenancy supports the model rent. The lower-rent scenarios show how sensitive the result is.
• Building condition and SVJ debt: repairs, association loans and owner-paid charges can consume the projected cash flow.
• No interior inspection: this sheet is desk research. The buyer must inspect the flat, assess technical condition and negotiate independently.
• Exclusive advertisement: the listing title identifies an exclusive offer. It does not establish the seller’s willingness to negotiate.

• Cooperative ownership instead of personal ownership. Mortgage eligibility must still be confirmed by the lender.
• Owner-paid charges or SVJ debt that remove positive cash flow after the mortgage and reserves.
• A basement flat, dampness or structural problems that invalidate the assumed rent and repair budget.
• An estimated gross yield above 13%: we treat that as a rent estimate needing review, not a reason to sell it.

• What are the monthly SVJ charges, and which costs must the owner pay?
• Does the SVJ have a loan? What remains, and when does it end?
• Which major repairs are completed or approved for the next five years?
• Is the flat occupied? What rent, lease term and contract apply?
• Does the title register show a lien, enforcement order or other third-party right?
• When were wiring, pipes and windows last replaced?
• Why is the owner selling, and how long has the flat been advertised?
• How many flats in the building are rented versus owner-occupied?

Starter covers one currently advertised flat in your chosen region, with its listing link, available address details, photos, agent contact and financial model. Ownership is checked against the advertisement, not certified by a bank or land-registry audit. The sheet is available in Czech, English and French.

Delivery is usually within 60 seconds of payment. If verification delays the assignment, we say so rather than send an unchecked flat.

30-day refund, no questions asked. We earn no commission on the property purchase. Region selection and payment currently open in Czech.