Frequently asked questions

Kousek Bytu is a project opening up the real estate market to the general public, even for those who cannot afford an entire property. We've divided properties into "pieces" worth 20.000 CZK each, and everyone can choose to buy one piece, several pieces, or even the entire apartment. The entire purchase process is online - from choosing the apartment to placing the order and paying to contract signing.

The apartments are divided into pieces worth 20.000 CZK each.

Yes, choose pieces from all the apartments you like, add them to your cart, and place an order.

Our portfolio consists of apartments divided into pieces and apartments available only as whole units.

By choosing the “With Service” option, you receive full property management, including tenant relations and maintenance by a service company - making ownership hassle-free. You’ll receive both capital gains and a guaranteed rental yield. By choosing the “Without Service” option, you manage the apartment yourself, receiving only the capital gain (upon the sale of your share).

It’s as simple as shopping online. Select the (pieces of an) apartment, choose your share amount, and complete the entire process online in just a few minutes.

You can buy one piece for 20.000 CZK or split the payment over 10 monthly installments of 2,000 CZK each. There is no upper limit.

No, currently payments are only accepted in Czech koruna.

Yes, the entire process, including the purchase and contract signing, is possible online.

You can monitor it in your Client Zone, accessible via a link in the email sent after payment completion. You’ll also be able to expand your portfolio there.

You can pay for your chosen property in a one-time payment, split it over 10 months, or use our financing options.

Installment payments are only available for unfinished development projects - before the final inspection prior to moving-in.

When choosing to “¨Split the payment”, a one-time service fee for processing and maintaining the payment schedule (5% of the invested amount) is included with the first installment.

For one-time purchases “With Service,” no additional fees are included. Management of those apartments are handled by Parthome Services s.r.o.

Yes, the guaranteed net rental yield is free of all other fees and payments.

Together with experts from ČSOB Stavební spořitelna, we offer an attractive loan options of up to 3.5 million CZK without collateral. If you’re interested, contact us via email or chat, and we’ll tailor a solution for you.

Yes, financing of up to 3.5 million CZK from a building savings loan is available.

This is a cooperative share. For whole apartment purchases, we also offer personal ownership, into which the apartment can be transferred after approval.

The apartment will be owned by the housing cooperative. You’ll become an owner of a cooperative share (for the whole apartment) or a co-owner of a cooperative share (for a piece of the apartment) when you join the cooperative. Shareholders aren’t registered in the Cadastre of Real Estate.

Your ownership is protected by law under the regulations of cooperative housing. It is outlined in the cooperative’s statutes, which comply with the law, ensuring strong ownership protection.

Immediately after the order, you’ll receive an email with the contract documentation for your purchased piece(s) of the apartment. The documentation takes effect upon full payment of the membership contribution. You become a cooperative member upon meeting three conditions: signing the contract, fulfilling the contribution requirement, and registering the cooperative as the apartment’s owner in the land registry.

Yes, all apartments purchased “Without Service” can be transferred to personal ownership after the building's final inspection. Apartments “With Service” can only be bought under cooperative ownership. The advantage of cooperative ownership is the exemption from income tax on sales after a holding period of over 5 years, compared to 10 years for personal ownership.

We pay the guaranteed rental yield once a month after the project's final inspection via the Client Zone.

We pay the guaranteed yield 12 months a year, but if the apartment is vacant, we may withhold payment for one month. For the other 11 months, we guarantee the rental yield, even if the apartment is vacant.

You can withdraw amounts to your bank account from 1.000 CZK and up.

There are three types of taxes: property tax, which is paid by the cooperative; income tax of 15% on the guaranteed rental yield; and a 15% income tax on the sale, from which you’re exempt if you hold the property for more than 5 years. If you hold the purchased piece or whole apartment for less than 5 years, you must pay a 15% tax on the capital gain. We recommend holding investment property for at least 5 years.

Yes, property tax applies to cooperative-owned apartments, but the cooperative pays it, so there’s no extra cost for you as a member.

Yes, the developer has insurance for the project construction.

After approval, the housing cooperative becomes the owner of the apartments, which will be insured along with their furnishings.

In such a case, the cooperative will return the full amount of invested funds to all clients.

The cooperative’s finances are entirely transparent, and results are accessible to all cooperative members. The goal is to manage well, but if management is poor, members can act immediately according to the options specified in the cooperative’s statutes.

The capital gain is the difference between the purchase and sale price, realized upon the property’s sale.

You can sell at any time - we recommend a horizon of about 10 years or more. You can sell through the Kousek Bytu platform – we will list the share on the secondary market so that someone else can express interest. Alternatively, you have the option to sell outside of the Kousek Bytu platform to a third party. If necessary, we allow a quick exit within 30 days, otherwise, the duration of the sale depends on how quickly a buyer is found.

When you decide to liquidate your share, you can list it on or outside the Kousek Bytu platform. The sale duration depends on finding a buyer. Under certain conditions, we also allow a quick exit within 30 days.