— Personal Banking
Mortgages.
Property financing without the friction.
— Personal Banking
Property financing without the friction.
— From APR
3.85%
— Maximum LTV
80%
— Decision
48 hours
— Markets
CZ · AT · DE · IT · FR · ES
— Overview
Whether it is a Praha apartment, a Vienna town house, or a Mediterranean villa, our mortgage desk underwrites in days — not weeks — and structures around your full balance sheet, not just your salary slip.
— Features
Standard residential lending up to 80% LTV. Pledged investment portfolios can extend the headline rate without breaching prudential limits.
Lending in CZ, AT, DE, IT, FR, and ES. Currency of the loan can be matched to the asset, your income, or your reporting currency.
Decision in principle within 48 hours of full file. No recycled-email back-and-forth — your banker stays on the file from offer to drawdown.
— Your monthly payment
A live calculator covering the structures we actually offer — variable, fixed, or mixed; with or without portfolio pledge. Your banker will then refine the exact rate against your full balance sheet.
Open an account →— Mortgage calculator
Praha 6 property.
Monthly payment
€ 6,210
Total interest
€ 663,000
— Process
Step 01
Apply
Online or with your banker. We need the property details, your financials, and current liabilities.
Step 02
Underwrite
Full credit review, valuation by an independent valuer, and structuring options.
Step 03
Offer
Indicative offer in 48 hours; binding offer with conditions usually within 10 business days.
Step 04
Drawdown
Funds released to the seller's lawyer on completion. Standing order set up for monthly payments.
— Key facts
All headline terms shown here. Indicative pricing — your dedicated banker will confirm exact figures based on your relationship and the structure agreed.
Regulated by the Czech National Bank.
Member of EU Deposit Guarantee Scheme.
| From APR | 3.85% (5-yr fixed, EUR) |
| Loan term | Up to 30 years |
| Maximum LTV | 80% (residential) |
| Arrangement fee | 0.50% of principal |
| Early repayment | Allowed on review dates |
| Currencies | EUR · USD · CZK · GBP · CHF |
"We came to Diavulcan in 1996 after our Swiss bank lost track of who we were. Three banks have tried to win us back since. None has come close. The same banker still answers the same line."
— Mr. P. Janáček
Client since 1996 · Praha
— Questions
Can I borrow against a property I do not yet own?
Yes. We can issue a binding mortgage offer subject to satisfactory valuation, which can be presented to the seller as proof of funds.
Do you lend to non-Czech residents?
Yes, across the EU/EEA, Switzerland, and the UK. Tax-residency abroad may require additional documentation.
Can I pledge my investment portfolio to lower the rate?
Yes. Pledged portfolios from €500,000 typically reduce the headline rate by 25–75 bps depending on the assets pledged.
Is the rate fixed or variable?
Both available. Fixed periods are 1, 3, 5, 7, or 10 years. After the fixed period, the rate moves to a margin over EURIBOR.
How does early repayment work?
Free on review dates (the end of any fixed period). Mid-period repayments incur a small breakage cost; we always quote both options upfront.
Have a question we did not answer? Message your banker or write to us directly.
— Related
— Begin
A short conversation is the fastest way to understand whether mortgages are the right structure for you. We reply within two business days — usually the same day.