Required Documents for All Mortgage Loans
| Title certificate for the mortgaged/financed property (not older than three months) |
| Cadastral map image (not older than six months); a cadastral map image does not need to be provided for refinancing using the Mortgage of Mortgages as long as there has been no change from the original appraisal of the property market value |
| Property market value appraisal completed by an external appraisal in
accordance with the methodology of LBBW Bank, a.s. (Bank) not older than six months In the case of an application for another mortgage loan from LBBW secured by the same property as the original loan, the applicant can use the original property market value appraisal completed for the purpose of providing the original loan as long as it is not older than five years As to refinancing, the Bank accepts conditionally an appraisal completed for the original loan provided that it is not older than five years. If the original market value appraisal is used, the applicant must provide:
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| Document under which the title to the mortgage property was acquired if the existing title originated prior to 1 January 1993 |
| Lease agreement for land where the mortgaged property is located if it is owned by the central or municipal government |
| Lease agreements if the property is used for gainful purposes and is leased |
| Document defining the scope of joint marital property - a notarial deed or a court decision |
| Document demonstrating the mailing address of the applicant/co-applicant if it differs from the address shown on personal ID card (for example, SIPO payment slip, gas/electricity bill, account statement or Ownership certificate of the property owned by client - output from public portal http://nahlizenidokn.cuzk.cz/ is acceptable) |
| Document demonstrating that applicant/mortgagor has his permanent address in the mortgaged property, i.e. personal ID card or a receipt of payment not older than one month - for example, invoice, SIPO payment slip, telephone bill, etc. (if it is required that the mortgagor must have his permanent address in the mortgaged property) |
| If the mortgagor differs from the applicant, a document demonstrating the relationship between the mortgagor and the applicant (applicant's relatives in direct line of descent) - a birth certificate or a marriage certificate (if it is required in respect of the product that the mortgaged property must be owned by the applicant/co-applicant or his relatives in direct line of descent) |
| Declaration of assets and liabilities (applies to IQ Mortgage for Residential and Recreational Property without Proof of Income) |
Purchase of Real Estate
| Draft / signed purchase agreement / (future purchase agreement) |
| Purchase of land - document demonstrating that the land is designated for construction purposes - (planning permit/approval) |
Purchase of Apartment from Developer before the Issue of Occupancy Permit - the Mortgaged Property Is the Financed Property
| References for the developer - link to a website or printed materials showing already completed projects |
| Copy of a building permit showing a legal effectiveness clause |
| If individual apartments are not registered in the Land Registry at the time a mortgage application is made - Draft owner declaration for the mortgaged property |
| Draft future purchase agreement (signed) or draft purchase agreement |
Purchase of Apartment from Developer before the Issue of Occupancy Permit - the Mortgaged Property Is Other than the Financed Property
| References for the developer - link to a website or printed materials showing already completed projects |
| Copy of a building permit showing a legal effectiveness clause |
| Draft future purchase agreement (signed) or draft purchase agreement |
Purchase of Detached House From Developer before the Issue of Occupancy Permit
| References for the developer - link to a website or printed materials showing already completed projects |
| Copy of a building permit showing a legal effectiveness clause |
| Draft future purchase agreement (signed) or draft purchase agreement |
Transfer of Cooperative Membership
The transferor is a member of the cooperative
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The transferor is the cooperative
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| Articles of association of the cooperative |
Settlement of Ownership Shares
| Settlement of Joint Marital Property Document demonstrating the settlement of ownership shares in the form of a notarial deed or effective court decision |
| Settlement Not Involving Joint Marital Property Financial settlement agreement |
Construction of Detached House with Purchase of Land
| Draft / signed purchase agreement / (future purchase agreement) for the land |
| Building permit showing a legal effectiveness clause or Construction work notice approved by the Building Authority |
| Construction contract with a contractor, including an itemized budget of construction costs or Itemized budget of construction costs on the Bank's form |
Construction of Detached House
| Building permit showing a legal effectiveness clause or Construction work notice approved by the Building Authority |
| Construction contract with a contractor, including an itemized budget of construction costs or Itemized budget of construction costs on the Bank's form |
Construction of Dwelling - Attic Conversion
| Building permit showing a legal effectiveness clause or Construction work notice approved by the Building Authority |
| Construction contract with a contractor, including an itemized budget of construction costs or Itemized budget of construction costs on the Bank's form |
| Owner's declaration of change or Construction contract |
Reconstruction and Structural Changes
| Reconstruction and structural changes completed based on a notice or building permit: Building permit showing a legal effectiveness clause or Construction work notice approved by the Building Authority |
| Construction contract with a contractor, including an itemized budget of construction costs or Itemized budget of construction costs on the Bank's form |
Reconstruction and Structural Changes - Installation of Photovoltaic Panels
| Planning permit |
| Contract for work with technical parameters |
Reconstruction and Structural Changes - Installation of Heat Pumps
| Planning permit or Building permit showing a legal effectiveness clause or Construction work notice approved by the Building Authority |
| Contract for work with technical parameters |
Refinancing
| Original loan/mortgage loan agreement |
| In the case of refinancing a loan provided by a creditor that does not report to CBCB, a confirmation of proper loan repayment using the Bank's form or current account statement showing proper loan repayment in the last six months |
Refinancing of Own Resources
| Purchase agreement, occupancy permit or another acquisition document |
Consolidation
| Original mortgage / consumer loan agreements |
| In the case of consolidating loans provided by a creditor that does not report to CBCB, a confirmation of proper loan repayment using the Bank's form or current account statement showing proper loan repayment in the last six months |