Housing without a mortgage
Your own home without a mortgage. Through a cooperative.
Apartment prices have soared, and many people on a regular income cannot get a mortgage. A cooperative offers a way to your own home without a bank.
- You’ll receive contracts in advance
- No piles of paperwork
Find out if you qualify
new or older property · throughout the Czech Republic · free assessment
Operated by SEBINVEST s.r.o., Company ID 17067481, Prague. We are not a bank or cooperative; your contract is with a housing cooperative.
Who owns the property and when
The whole journey to owning your home on one timeline.
It’s good to know in advance: the cooperative owns the property until transfer. You are a member and live in your own home.
- At the start
The cooperative buys the property
You become a cooperative member and move in.
Owner: cooperative - Ongoing
You live there and make payments
An agreed amount each month. You use the property as your own.
Owner: cooperative - Later
Transfer to you
You refinance with your mortgage or pay off the balance. The property transfers into your ownership.
Owner: you
Who it’s for
For people on a regular income overlooked by the market.
If these points describe you, it’s worth a call.
- You have a stable income, but cannot get a mortgage or lack a down payment.
- You want your own home without waiting years to save up.
- You are looking for, or have chosen, a new or older apartment or house anywhere in the Czech Republic.
- You are self-employed or have income banks cannot assess.
Mortgage or cooperative
What’s the difference
Clear and straightforward, for an informed decision.
| Mortgage | Housing through a cooperative | |
|---|---|---|
| Who buys the property | You, with a bank loan | A cooperative, of which you become a member |
| Who owns the property | You, from signing | Cooperative ownership, later transferred to you |
| Own funds | Obvykle 10–20 % z ceny | We’ll discuss it individually |
| What is assessed | Income, age, own funds, credit registers | Your whole situation, assessed individually |
| How it becomes yours | By paying off the mortgage | By refinancing with your mortgage or paying off and transferring ownership |
How it works
Who does what
We assess your situation and, with consent, refer you to the cooperative you enter into a contract with.
- You
Three questions and your contact details
No documents or piles of paperwork.
- BEZHYPA.CZ
We’ll call and explain
We’ll discuss which property you want and affordable monthly payments.
- Housing cooperative
Contract and purchase
The cooperative buys the property, and you become a member.
We send contracts in advance for review. You can show them to someone you trust.
After the first call
What you will know
No pressure or signatures. The first call is just to see whether it makes sense for you.
- Whether cooperative housing is an option for you. If not, we’ll tell you directly.
- Roughly how much you’d pay monthly for the property you want.
- When and how the property is transferred to you.
- Which contracts you’ll sign. You receive them in advance.
When another option is better
- You can get a mortgage on standard terms. That is usually a better option.
- You don’t have a regular income to cover monthly payments.
- You want to be the owner from day one.
Check us out
Before contacting us, check who you’re talking to.
Caution is sensible in financial matters. You can check all of this in public registers yourself.
Frequently asked questions
What people most often need help with
Will the property really be mine one day?
Yes. After a certain period, you can refinance it with your own mortgage—we can help with that too—or pay it off and transfer it into your personal ownership.
What guarantees do I have that I won’t lose the apartment?
The contract guarantees transfer into your ownership. All contracts are sent in advance for review.
How much will I pay each month?
It depends on the property price and agreed terms. We calculate the exact amount by phone for your chosen property.
Do I pay for the initial consultation?
No. Assessing your situation is free and non-binding.
Start with one question.
We’ll work out the rest by phone. Nothing to sign or pay.