Next start: 10.12.2026
Mortgages and Housing Finance in the Czech Republic
Housing loans, collateral and refinancing
14 teaching hours · 3 live online lessons in Czech · CZK 4,500
Housing loans for the professional exam in consumer credit for future mortgage advisors, real estate agents and bank staff – without buying the entire 160-hour course
Live online lessons with the lecturer
Ask questions right during the lesson
Preparing for the consumer credit exam? Master housing loans in a single module.
The professional exam in consumer credit is one of the four areas every future financial advisor in the Czech Republic must pass. Anyone who wants to arrange housing loans also needs to know property valuation, the real estate and mortgage market, building savings (stavební spoření) and the land register.
This 14-hour module is a stand-alone part of the Financial Advisor course and prepares you for exactly this part of the exam. In three live lessons you will cover housing loans and mortgages, building savings, collateral through a mortgage lien and the land register, property valuation and LTV, as well as rate fixation, early repayment and refinancing. Lessons are taught in Czech – the same language as the exam – so you learn the terminology you will need.
If you later decide to take the full Financial Advisor course, we will credit the price of this module.
What you will gain
Confidence with housing loans
You will tell apart a mortgage loan, a loan secured by real estate and a building savings loan, and know what each one is for.
Understanding of building savings
You will understand building savings loans and bridging loans and how they differ from a mortgage.
Valuation and LTV
You will learn how property is valued, what the usual price is and how the value of the collateral affects the loan amount.
Collateral and the land register
You will understand mortgage liens, entries in the land register and why the bank requires collateral.
Fixation, refinancing and risks
You will understand interest rate fixation, early repayment, refinancing and the risk of rate changes.
Exam preparation
The programme covers the housing loan topics of the professional exam in consumer credit.
Not sure whether one module is enough or the full course pays off?
Ask usWho is it for
This course is for you if you…
…are preparing for the consumer credit exam
You want to master the housing loans part without the entire 160-hour course.
…work in a bank, a building society or mortgage advice
You need to pass the exam or broaden your knowledge of housing loans.
…want to start as a financial or mortgage advisor
Start with mortgages and continue with the full Financial Advisor course later.
…are a real estate agent who wants to offer financing too
To arrange mortgages you need registration with the ČNB and the professional exam. The module prepares you for its housing loan part.
…sell new-build flats for a developer
Your clients ask about financing. You will understand LTV, rate fixation and how banks proceed, and be able to answer them.
…are an insurance or investment intermediary
You want to extend your business to housing loans and offer clients a complete service.
Your lecturer
Lessons are led by a financial advisor registered with the ČNB.
Ing. Vitalij Vorobjov
Financial advisor registered with the ČNB
Graduate of the Prague University of Economics and Business (VŠE). He works in financial advice and housing finance. In the course he explains how mortgage loans work in the Czech Republic, what affects their terms and what to watch out for in practice.
Financial advice, ČNB register
Loans and mortgages
Housing finance in practice
Course programme
Housing loans for the professional exam in 5 topic blocks
Consumer housing loan
- Basic characteristics of a consumer housing loan.
- Purpose of a housing loan.
- Loan secured by real estate or by a right in rem to real estate.
- Mortgage loan.
Building savings and related loans
- Building savings loan.
- Bridging loan.
- Key differences between the forms of housing finance.
Securing a mortgage loan
- Mortgage lien on real estate.
- The land register.
- Types of entries of rights to real estate.
- Importance of collateral for mortgage financing.
Property valuation and the LTV ratio
- Valuation of real estate.
- Usual price of a property.
- Loan-to-Value (LTV).
- Importance of the collateral value when granting a loan.
Repayment, refinancing and interest rate risks
- Early repayment of a housing loan.
- Refinancing a mortgage loan.
- Risks of interest rate changes.
- Interest rate fixation and its importance.
How the lessons work
Live online in Czech, with room for your questions
Lessons take place in real time, in Czech. You follow the explanation online and can ask the lecturer straight away rather than after the course. On completion you receive a certificate of completion.
Want to prepare for all four areas of the professional exams?
The Financial Advisor course: 160 hours live online, accredited by the Czech Ministry of Education (MŠMT), CZK 29,900. We will credit the price of this module when you switch to the full course. More about the full course →
Price and dates
CZK 4,500
- 14 teaching hours of live lessons
- 5 topic blocks
- Lecturer-led lessons with room for questions
- Taught in Czech
- Certificate of completion
You can cancel up to the start of the course. You can cancel your participation at any time before the first lesson begins – just email orders@unimfa.com.
Apply now10.12.2026 – 14.12.2026
Thu 10.12. · 16:00–20:00
Sat 12.12. · 9:00–12:30
Mon 14.12. · 16:00–20:00
Frequently asked questions
Will the course prepare me for the professional exam in consumer credit?
The course covers the housing loans part of the exam: housing loans and mortgages, building savings, collateral and the land register, property valuation and LTV, refinancing and fixation. The general part of the exam (financial and credit market, regulation and consumer protection, APRC, creditworthiness assessment) is covered by the full Financial Advisor course. The exam itself is not taken at the ČNB but with an accredited examiner (akreditovaná osoba), and its fee is paid separately.
Which language is the course taught in?
The course is taught in Czech – the same language as the exam – so you will learn the Czech terminology you need. You can ask the lecturer questions during the lessons.
Can I cancel my participation?
Yes. You can cancel at any time before the first lesson begins – just email orders@unimfa.com.
Is the course suitable for complete beginners?
Yes. We start with the basic characteristics of a housing loan and a mortgage and gradually move on to collateral, property valuation and refinancing.
How does this module differ from the full Financial Advisor course?
This module (14 hours) covers housing loans. The full Financial Advisor course (160 hours) prepares you for all four areas of the professional exams: consumer credit including the general part, investments, insurance and supplementary pension savings.
What if I decide to take the full course later?
We will credit the price of this module when you switch to the Financial Advisor course.
What document will I receive?
A certificate of completion.
How do the lessons work?
Live online with the lecturer in real time, in Czech, with the option to ask questions during the explanation. The course has 3 lessons: 10, 12 and 14 December 2026.
Do I need ČNB registration to arrange mortgages?
Yes. Only a person entered in the ČNB register may arrange housing loans, and their staff must have a school-leaving exam (maturita) and pass the professional exam with an accredited body. The course prepares you for the housing loan part of the exam. Registration is usually handled by the company you will work for.
Who teaches the course?
Ing. Vitalij Vorobjov, a financial advisor registered with the ČNB.
Master housing loans and walk into the exam with confidence
Apply for the course starting 10 December 2026 – it only takes a minute.