How is heat consumption metered in individual apartments?
A separate heat meter is installed in each residential unit.
Can several properties be viewed during a single meeting?
Yes, it is possible to visit several properties during a single meeting, as long as it is logistically possible, with a view to the location of the properties in which the client is interested and...
What about contracts? What type of a contract do we sign?
With each client, we sign the type of contract that corresponds to the given stage of project implementation. That means that, at the beginning, we sign a property reservation agreement, then an agreement to conclude...
How are a mortgage and purchase of an apartment treated, from the point of view of common marital property? What is the procedure in the event of a divorce?
If a property is purchased during a marriage, it becomes a part of the spouses’ common property (“CP”) if the couple is married pursuant to the laws of the Czech Republic. That means that it...
Through its time-tested partners, GARTAL offers you the possibility of arranging the most advantageous financing for your home. We will also take care of collecting all of the documents necessary and of all communication with the bank, a valuer, and the Land Register. Our long-term cooperation with our partners allows us to secure the most advantageous conditions for you.
The loan is collateralised with a lien, which is one of the most common forms of debt collateralisation for the benefit of the loan provider. A lien is established by an agreement and registered in the Land Register prior to the purchase agreement. If the account payable is not paid, the creditor may sell the pledged item, i.e., the real property, and satisfy its account receivable from the proceeds. A lien is not linked to a person but, rather, to a property, meaning that when the property is sold or transferred to a new owner, the lien passes to the new owner, provided that the creditor’s receivable and all accessories have not been settled.
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