Financing the purchase
If you do not have enough savings of your own, you can apply for a mortgage. Conditions and interest rates vary between banks. When choosing a mortgage you can also use the services of a financial intermediary, who will help you compare bank offers.
Good to know
Do not forget to include other expenses in the total amount, for example:
- renovation and moving,
- legal, notary, and cadastre fees,
- a financial reserve for unexpected costs.
If you are buying property through a real estate agency, the draft purchase contract is usually prepared by the agency.
If you are buying property directly from the owner, you can use a purchase contract template available online.
In both cases we recommend consulting the contract with a lawyer before signing, to avoid problems in the future.
Notarial deed or lawyer authorization
You can also conclude the purchase contract in the form of a notarial deed or have it authorized by a lawyer. The advantage is faster proceedings at the cadastre. The disadvantage is higher costs. Ask about the price before signing.
After signing the purchase contract you must submit an application for entry in the cadastre so that the cadastre registers the new owner.
Attach to the application for entry:
Submit the application for entry electronically
The application for entry can also be submitted electronically via the Cadastre Portal (KatasterportalOpens in a new window).
The Cadastre PortalOpens in a new window allows citizens to:
If you have the documents in electronic form
The application for entry itself and all attachments must be electronically authorized. The contract, which forms an attachment to the application, must be signed by all contracting parties.
If the law requires an officially certified signature (for example for the seller), authorize the document with a qualified electronic signature (KEP) with a time stamp.
If you only have the documents in paper form
You must first convert them into electronic form by way of a guaranteed conversion. This can be done by:
More information - Home page - ÚGKK SROpens in a new window.
The length of the proceeding depends on the method of filing:
The fee depends on the method of filing and the proceeding deadline.
Standard proceeding (up to 30 days):
Expedited proceeding (up to 15 days):
Important information: You become the owner of the property only on the day the entry in the cadastre is approved, not on the day you sign the purchase contract. The cadastre will then deliver to you a decision approving or rejecting the entry. You will be informed of the outcome of the proceedings by notification, and you will also have an overview of the properties you own available through the Cadastre Portal.Opens in a new window
When taking over the property, draw up a handover protocol with the seller. Include in it, for example:
meter readings (electricity, water, gas),
the number of keys handed over.
You will need this document when transferring utility accounts and, in the case of buying a flat, also when registering with the building administrator.
Useful tip: If you are buying a new-build, you can bring in a certified inspector to check the condition of the property and point out possible defects or risks.
Building administrator or owners' association
Inform them of the change of owner. Submit the handover protocol, an extract from the certificate of title, and agree on further payments.
Energy suppliers
The previous owner must deregister from supply. You then register as the new customer. You can conclude a contract with a supplier of your own choosing.
Change of permanent or temporary residence
If, after buying the property, you are moving and changing your permanent or temporary residence, report this change at the relevant town or municipal office in the place of your new residence. More information can be found in the Guide to changing permanent or temporary residence.Opens in a new window
Property tax return
Submit it at the latest by 31 January of the following year. It is submitted to the relevant tax administrator, which is the town or municipality where the property is located.
You can also submit the property tax return electronicallyOpens in a new window for those municipalities that use the DCOM information system. After submitting the tax return you will be notified of the status of your submission.
Note: If the electronic form is not published on the relevant portal, more information can be found on the website of the relevant municipality.
Municipal Waste Fee
If you have purchased an apartment in an apartment building, check with the building manager whether the municipal waste fee is included in the advance payments for the apartment.
If the fee is not paid through the building manager, notify the municipality within 30 days of the establishment or change of your fee liability: Notification of the establishment, termination or change of fee liability for municipal waste and minor construction wasteOpens in a new window
You can submit the notification:
• electronically using the electronic service referred to above in municipalities that use the DCOM information system,
• or in person during the office hours of the relevant municipality.
Note: If the electronic form is not available for your municipality, you can find further information on the website of the relevant municipality.
