Published on and written by Cyril Jarnias
Renovating a house or apartment in the Czech Republic can be an excellent strategy for accessing property ownership, increasing the value of an older property, or drastically reducing energy bills. However, with a legal framework in constant flux, a construction market just emerging from several turbulent years, and an avalanche of subsidies tied to energy performance, it’s very easy to get lost.
This article details the essential aspects for a renovation project: costs, administrative procedures, taxation, available public assistance, energy requirements, material selection, choosing contractors, as well as specifics related to older or listed buildings.
Understanding the Context: Why Renovation Has Become Strategic
The Czech Republic faces a housing shortage estimated at over 200,000 units, while residential construction starts remain about 21% below pre-2022 peaks. At the same time, new-build prices have skyrocketed: the square meter of a new home exceeds an average of 133,000 CZK, with over 162,000 CZK/m² in Prague and nearly as much in major regional cities (just over 105,000 CZK/m²).
In this context, purchasing an older property to renovate becomes an increasingly attractive alternative. Older apartments in regional cities are often 30 to 40% cheaper than new constructions, and older houses eligible for certain subsidy programs trade on average 20% below market value, with some having lost up to a third of their recent value.
Percentage of Czech single-family homes built before 1980, representing an energy-intensive stock in need of renovation.
A Construction Market That is Stabilizing
After a period of cost surges linked to the pandemic, border closures, and supply chain tensions, the Czech construction sector is entering a calmer phase. The Construction Cost Index did reach a record 129 points (base 2021=100), but price increases are moderating significantly.
The residential construction price index is now moving at an annual rate close to 3%, a significant slowdown compared to the 5 to 8% increases of previous years. This stabilization is driven by basic materials: cement, bricks, and aerated concrete blocks remain broadly stable, spruce boards are only declining modestly, and steel has stopped increasing after a peak. Some materials, like polystyrene, have even seen their prices more than halve from their peak (dropping from 2,200 CZK/m³ to less than 1,000 CZK/m³).
Professionals anticipate material inflation contained between 1 and 4% for 2025, while it was still 6% in 2023. The most noticeable increases now concern thermal insulation, with prices for some insulators rising by 30 to 40%, due to regulatory pressure and energy costs.
For a project owner, this means the period of extreme volatility seems to be over. Planning a renovation is once again possible on a basis of more predictable costs, even though labor remains tight (about 40% of construction sites report a shortage of personnel, and hourly wages are around 350–450 CZK, increasing by 3 to 4% per year).
How Much Does a Renovation Cost in the Czech Republic?
Assessing renovation costs obviously depends on the nature of the project (refreshing, heavy restructuring, bringing up to energy standards, extension…) but also on the type of building and its location.
Available data mainly concerns new construction, but it provides useful benchmarks for calibrating a renovation budget.
Cost Benchmarks per Square Meter
One can rely on new construction costs by building type to estimate a heavy renovation cost ceiling.
| Type of construction (new) | Cost range (excluding land & VAT) |
|---|---|
| Standard single-family house | 21,250 – 37,500 CZK/m² |
| Apartments in collective buildings (ordinary developments) | 48,000 – 59,760 CZK/m² |
| Highly demanded urban projects (Prague, city center) – final prices | > 62,000 CZK/m² |
| Basic rural construction (rural Moravia) | 15,000 – 25,000 CZK/m² |
| Traditional brick/concrete construction | 15,000 – 25,000 CZK/m² |
| Modular/ecological construction | 25,000 – 40,000 CZK/m² (excluding VAT, land) |
For a renovation, costs vary enormously depending on the scope of work:
Renovation costs vary considerably depending on the scope of work. A “heavy” renovation, aiming for a near-new standard (structure, insulation, networks, roofing, joinery, heating, ventilation, finishes), can reach the low to medium range of new construction prices, especially in urban areas. A targeted energy renovation (insulation, boiler, windows, ventilation) typically costs between 5,000 and 15,000 CZK/m², depending on the initial condition and targeted performance. Finally, a simple interior refresh (painting, floors, fixtures) is much less expensive but does not meet current energy requirements.
The technical standard ČSN 73 0035 proposes a standard cost structure for projects, useful in renovation as well as new construction:
| Cost item (standard structure ČSN 73 0035) | Approximate share of total budget |
|---|---|
| Construction work (materials + labor) | 55 – 65 % |
| Studies and planning | 15 – 20 % |
| Equipment (technical, finishes, etc.) | 20 % |
To this must be added design fees, typically 8 to 15% of the total cost. One must also consider a frequent bank recommendation for new construction: to plan for about a 20% safety margin compared to the estimated budget to absorb unforeseen events. This caution is equally valid in renovation, where surprises (foundations, moisture, networks) are frequent.
Impact of Energy Requirements (nZEB and Beyond)
Since 2020, any new building must meet the « nearly Zero-Energy Building » (nZEB) standard, and some of these requirements spill over onto major renovations. Achieving this level typically involves an additional cost of about 10 to 15% compared to conventional construction, mainly due to:
To optimize the energy performance of a construction, it is advisable to opt for thicker, higher-performing insulation; install more efficient heating and cooling systems such as heat pumps or biomass boilers; implement mechanical ventilation with heat recovery; and increase the use of renewable energies like photovoltaics or solar thermal.
For an ambitious thermal renovation project, it is common for this gross additional cost to be largely offset by subsidies and long-term energy savings.
VAT, Taxation, and the Concept of “Substantial Transformation”
Indirect taxation plays a key role in the overall economics of a renovation. Since 2024, the Czech VAT system has been simplified: most renovation work on private housing falls under a reduced rate, but several subtleties must be mastered to avoid bad surprises.
Applicable VAT Rates
The current regime is structured as follows:
| Type of service or goods | Applicable VAT rate |
|---|---|
| Standard rate (standard services and goods) | 21 % |
| Renovation and repair work on private housing | 12 % (unified reduced rate) |
| Construction and services related to social housing (under conditions) | 12 % |
| Certain repairs not related to the building (shoes, bicycles…) | 21 % (removed from reduced rate) |
For renovation work, it is therefore crucial that the company applies the correct rate from the invoicing stage. In case of error, the tax authority can demand the difference, along with penalties and late-payment interest. Foreign companies with a Czech VAT number must also respect these rules.
Special Case of Social Housing and Surface Area Caps
To benefit from the reduced rate within the framework of social housing, the law imposes surface area caps:
– single-family house: maximum floor area of 350 m²;
– residential building: small apartments (up to 120 m²) must represent more than 50% of the total area.
A project’s eligibility is assessed based on data from the cadastral register (RÚIAN). These criteria mainly concern developers and large-scale projects, but it’s useful to know them if you plan to divide a large building into several smaller units.
Heavy Renovation and Sale: “Substantial Modification”
A very important point for investors concerns the qualification of certain works as a “substantial modification” regarding VAT on the future sale of the property.
The reform of July 1, 2025, changed two key elements:
The period of automatic VAT liability when selling a new building is reduced from 5 years to 23 months after obtaining the occupancy permit. Furthermore, the definition of a ‘substantial modification’ is clarified: it refers to works altering the building’s use or living conditions, where the cost to the seller exceeds 30% of the building’s selling price.
Concretely, if you carry out a very heavy renovation, equivalent to a quasi-reconstruction, and then resell the property, you will need to test if these two criteria are met. If yes, the sale will be considered taxable for VAT, even beyond the 23 months. This test is the seller’s responsibility at the time of transfer.
For an investor aiming for resale after renovation, it is therefore essential to anticipate this point with their accountant or tax advisor, because a 21% VAT on the selling price can radically change the project’s profitability.
Permits, Authorizations, and the New Building Code
In the Czech Republic, renovating a property is not just about budget considerations. The regulatory framework, deeply overhauled with the new construction law (Act No. 283/2021), requires clearly distinguishing the types of work and necessary permits.
Which Procedures for Which Work?
The law classifies constructions into several categories (small, simple, reserved, others) and articulates three main types of procedures: no formalities, simple notification, building permit.
The essentials of common cases in residential renovation can be summarized as follows:
| Type of work on an existing dwelling | Procedure generally required |
|---|---|
| Routine maintenance, painting, like-for-like replacement with no impact on safety/structure | No formalities, if no negative impact |
| Demolition of non-load-bearing partitions, interior redistribution without touching main networks | Simplified notification to the building authority |
| Modification of façades (external appearance), creation of new openings | Building permit required |
| Work on the load-bearing structure (walls, floors, roofs) | Building permit required |
| Change in building height, extension, modification of the footprint | Zoning decision + permit (now merged into a single “intent permit”) |
| Substantial modification of networks (gas, water, electricity) | Building permit required |
| Reconstruction / deepening of a well | Building permit required |
Minor work with no impact on stability, fire safety, health, or the environment can in principle be carried out without notification. But in case of doubt, it is strongly advised to consult the competent stavební úřad (building authority), or even request a written preliminary information.
The New Unified Permit and Digitalization
The new law merged the traditional zoning (planning) and building permit stages into a single “intent permit”, meant to speed up and simplify procedures. The theoretical deadlines are:
– 30 days (extendable by 30) for simple constructions;
– 60 days (extendable by 60) for other cases.
Review periods can be extended, particularly when additional opinions are required (e.g., environment, networks, historical monuments). Although the authority can request certain opinions, it is common for this request to be addressed to the project owner.
The digitalization of the process relies on the Portál stavebníka (Builder’s Portal), which allows for online submission of:
– permit applications;
– notifications;
– plot subdivision;
– requests for occupancy authorization.
Until the end of 2027, full use of these systems by authorities is optional. However, the portal is already fully operational for project owners, who can already submit their dossiers via this portal, by data box, or in paper version.
Specifics of Historic Buildings and Old Town Centers
A significant portion of the Czech built heritage falls under heritage protection regimes, especially in historic city centers (notably Prague, designated UNESCO over large areas). Renovating this type of property requires particular vigilance.
Listed Monuments, Protection Zones, and Constraints
Buildings listed as cultural monuments, or located in heritage reserves or monument zones, are subject to a dual level of control:
– the Ministry of Culture and the National Heritage Institute (Národní památkový ústav – NPÚ) define and apply conservation policy;
– local authorities (municipalities with extended powers) issue binding opinions and permits.
Before any intervention, one must:
– obtain the opinion of the competent heritage authority (monuments office);
– submit a project strictly respecting the protected elements: façades, plasterwork, moldings, original joinery, roofs, interior decorations, etc.
Certain very common modifications elsewhere are simply prohibited here: replacing old windows with modern PVC, enclosing balconies with glazing, installing external insulation covering old decoration, installing antennas or satellite dishes on roofs…
Maximum fine amount in case of infringement, can reach 2 million Czech crowns.
Specific Subsidies and Costs
Renovating a monument or a building in a protected zone is generally more expensive, because:
– materials must be compatible with old techniques;
– qualified labor (restorers, specialized craftsmen) is more expensive;
– preliminary studies (expert appraisals, building archaeology, structural diagnostics) are more complex.
In return, subsidies exist at the state, regional, or municipal level for heritage preservation. It is also possible to benefit from tax relief, especially for work complying with conservation prescriptions.
Subsidies and Public Programs: A Major Lever for Renovation
One of the great advantages of the Czech Republic for a renovation project is the extensive arsenal of support programs, particularly around energy performance. The “Nová zelená úsporám” (New Green Savings) scheme and its variations play a central role.
“Oprav dům po babičce”: Renovating the Family Home
The “Oprav dům po babičce” (Repair Grandma’s House) program is a sub-component of Nová zelená úsporám, designed to accelerate the deep renovation of the stock of old houses and help young families access quality housing.
Its main characteristics:
The project is managed by the State Environmental Fund (SFŽP) and financed by the European Modernization Fund. A significant advance subsidy (can exceed 1 million CZK) is paid before the start of work. The subsidy covers up to 50% of eligible costs. Since 2024, it can be supplemented by a preferential fixed-rate loan (approx. 3-4%, APRC capped at 3.5% for 2024), without a mortgage, repayable over 20 years or more.
The eligibility conditions aim to target heavy renovation:
– be the owner of a single-family house or a secondary residence used as a primary residence;
– be economically active (employee, self-employed, student, active retiree, parent on parental leave) and act as a natural person (not via a company);
– carry out complete and optimal insulation of the existing envelope (walls, roof, floors, openings), or demolish and rebuild a very high-performance new house on the same plot;
– commit that all household members have their permanent residence in the dwelling and reside there for at least ten years after the renovation.
Bonuses complement the basic subsidy:
| Type of bonus | Amount / main condition |
|---|---|
| Family bonus | 50,000 CZK per dependent child (including unborn child) |
| Regional bonus (Karlovy Vary, Moravia-Silesia, Ústí nad Labem and supported municipalities) | +10 % of the total subsidy |
| Combination bonus | 10,000 CZK for implementing additional measures (PV, etc.) |
By February 29, 2024, over 1,200 advance requests had already been submitted, illustrating the program’s success and its impact on the old house market (increased demand, especially for structurally rehabilitatable properties).
Nová zelená úsporám and “Light” Version
Beyond the sub-program dedicated to old family houses, Nová zelená úsporám covers a wide spectrum of works:
All works and installations to improve a building’s energy efficiency and reduce its environmental impact.
Insulation of walls, roofs, floors, and replacement of windows and doors to reduce heat loss.
Installation of shading and protection systems to limit summer overheating.
Replacement of old boilers with biomass systems or heat pumps.
Installation of grid-connected solar panels to produce renewable electricity.
Hot water production systems using solar energy or heat pumps.
Ventilation with heat recovery for healthy air and energy savings.
Heat recovery from wastewater for energy reuse.
Installation of green roofs for insulation, biodiversity, and stormwater management.
System for collecting and using rainwater (“Dešťovka” program).
Installation of electric vehicle charging stations.
For low-income households, the “Nová zelená úsporám Light” variant funds simpler measures (weatherstripping, ceiling insulation, window replacement) with coverage rates that can reach 80 to 95% depending on income. This version is to be merged with the standard scheme to create a new, more readable program, while maintaining very high subsidy rates for low-resource households (up to 95% of costs).
The Nová zelená úsporám and ‘Oprav dům po babičce’ programs can be combined with other aid (elevators, accessibility, senior housing), provided the same specific expense is not funded twice.
Other Useful Programs
In addition, one can find:
– PANEL 2013+ for collective housing cooperatives/associations;
– regional or European programs for public buildings, SMEs (premises modernization, brownfield redevelopment) or rental housing for the elderly;
– accessibility schemes (subsidies for elevators up to 800,000 CZK per installation, or 200,000 CZK for building accessibility upgrades).
For a whole-building renovation project, especially a collective one, financing engineering often consists of combining:
– energy performance subsidies;
– possible tax relief;
– conventional bank loans or assisted loans (housing savings, etc.);
– own funds or co-ownership reserve funds.
Energy Requirements and Performance Certificate (PENB)
Any significant renovation in the Czech Republic must consider an energy regulatory framework already aligned with the latest European directives.
The PENB Certificate: Cornerstone of the Dossier
The Průkaz energetické náročnosti budovy (PENB) is the equivalent of the energy performance certificate. It:
– is mandatory for all new buildings;
– must be provided during a major renovation (affecting more than 25% of the envelope), significant modification of the heating system, or in case of sale or rental;
– classifies the building on a scale from A to G, A being the most efficient;
– is valid for ten years, unless work substantially modifies the performance.
For a heavy renovation permit application, the dossier must include a Building Performance Requirement Project (PENB). This document must demonstrate that the project meets either the regulatory performance requirements, or at minimum a level of “optimal cost” defined by decree, such as Decree No. 264/2020.
For sales and rentals, the owner must state the energy class in advertisements and provide the certificate or its graphic part to the real estate agent.
Major or Partial Renovation: Graded Requirements
The regulation distinguishes:
– major renovation: when more than 25% of the building envelope is renovated;
– partial renovation: interventions on isolated elements (windows, roof, walls…), even if the entire envelope is not treated at once.
Overall requirements on energy performance (primary energy, delivered energy, average U-value) apply. Their thresholds are gradually evolving towards the nZEB (nearly Zero-Energy Building) standard and, soon, towards the ZEB (Zero-Emission Building) standard.
In the second case, each renovated element must respect minimum U-values (often the “recommended values” of standard ČSN 73 0540). In other words, replacing windows implies installing joinery compliant with the current performance level, even if the whole building is not yet renovated.
The regulations also stipulate that successive interventions over a ten-year period be documented and kept for at least five years, in order to demonstrate compliance with requirements for each component.
Financing a Renovation: Loans, Mortgages, and Banks
Czech banking institutions are now accustomed to financing purchases of older properties coupled with a renovation project, with some specificities to know.
Mortgage Based on Post-Renovation Value
When a buyer finances both:
– the purchase of an older dwelling;
– and the renovation work,
the bank can base its analysis not on the property’s current value, but on its estimated value once the work is completed. The dossier must then include:
To establish a precise and personalized quote, professionals need key documents describing your project.
Provide an estimate of your financial envelope for the planned renovation work.
Attach a preliminary project or summary technical documentation describing the nature and scope of the work.
If necessary, add a copy of the building permit or official notification related to the work.
The funds intended for the work are released in phases, after progress is checked by an expert appointed by the bank. This check focuses on the reality and conformity of the work to the approved budget, not on the presentation of invoices.
For new constructions, banks usually impose a two-year deadline to release the entire loan, with possible extensions for a fee. For renovations, schedules are often more flexible, but a maximum completion deadline may be set in the contract, leading to penalties or renegotiation if exceeded.
Combining Mortgage and Housing Savings Loan
Another frequent strategy consists of:
– using a conventional mortgage for the property purchase;
– financing the work via a housing savings loan (stavební spoření).
This type of loan can have advantageous conditions (rates, flexibility, no additional mortgage), especially for less extensive work. However, the amounts may be more limited.
Some banks grant interest rate discounts for projects meeting energy performance criteria (“green mortgages”), with reductions of a few tenths of a percentage point on the interest rate, especially when a Nová zelená úsporám dossier is associated.
Choosing Materials and Contractors: Current Practices
Surveys of Czech construction companies shed light on how the materials and service provider market is structured today.
Material Sourcing: Priority to Local
The vast majority of construction companies (about 58%) source exclusively from national suppliers. The motivations are clear:
– more reliable availability;
– trust in Czech manufacturers;
– support for the local economy;
– reduced transport costs and simplified logistics.
A hybrid model (combining Czech and foreign suppliers) is used by 42% of companies, notably to benefit from a wider range or occasional price opportunities. Notably: no surveyed company reported sourcing exclusively from abroad, especially after the experience of border closures during the pandemic.
The materials market has been well supplied overall since 2024, following a drop in demand the previous year. However, tensions are reappearing on basic materials like building stone or gravel in some regions, leading to longer supply times and price increases.
Gradual Rise of Alternative Materials
A third of companies already report using alternative materials:
– natural insulators;
– recycled materials;
– new high-energy-performance composites.
The main motivations are:
– long-term energy savings;
– reducing environmental footprint.
The remaining two-thirds remain cautious, often for reasons of technical conservatism or perceived initial costs being too high. But the trend is clearly towards an increase in these solutions, stimulated by subsidy programs and regulatory requirements.
Overview of Construction Players
The entrepreneurial fabric is very rich: databases list over 190,000 companies related to the sector, covering all construction trades: structural work, framing, insulation, joinery, heating, ventilation, electricity, elevators, etc.
Discover the different solutions available to meet your specific needs.
Access advice and services remotely, quickly and flexibly.
Meet a consultant in person for personalized and detailed support.
Get immediate assistance by phone for your urgent questions.
Consult freely accessible documents and tutorials to inform yourself at your own pace.
– local artisans and SMEs for occasional work or small renovations;
– general construction companies offering turnkey service;
– engineering offices and architects capable of designing demanding solutions (e.g., for historic buildings or nZEB renovations);
– platforms and online services to find specialized professionals by trade.
For insulation projects, for example, some providers offer to assist the client with subsidy applications (notably Nová zelená úsporám Light) and to advance the total cost of the work relative to the expected subsidy.
Managing a Construction Site Remotely: A Real Issue for Foreign Owners
The Czech Republic also attracts non-resident buyers. For them, managing a renovation remotely compounds difficulties: language barrier, time difference, cultural differences in working and communication styles, lack of knowledge of local companies.
Studies on projects managed from abroad show that: project management practices can vary considerably from country to country, influenced by cultural, economic, and regulatory factors. This can lead to unique challenges in communication, collaboration, and project implementation internationally.
– nearly three-quarters of expatriate owners feel high anxiety at the idea of not being able to supervise their construction site;
– about half of projects exceed the initial budget;
– in 90% of cases, the final bill exceeds the first estimates.
To limit these deviations, several best practices are essential:
For a remote construction or renovation project, it is crucial to: draft a very precise specification (plans, materials, finishes, deadlines); plan a contingency margin of 20 to 25% of the total budget; hire an experienced local project manager to provide regular reports with photos/videos; use digital tracking tools (management platforms, videoconferences, cloud); and establish a payment schedule based on verified milestones (e.g., staged payments at 25%, 50%, 75%, and 100% completion).
This logic is close to that which banks already apply for the release of mortgage funds.
Overall Strategy: How to Structure Your Renovation Project?
Beyond technical and regulatory details, succeeding in a renovation in the Czech Republic requires conceiving the project as a coherent whole: legal, financial, technical, and patrimonial.
1. Clarify Your Objectives
Even before discussing quotes, it is essential to clearly define:
– the property holding horizon (long-term primary residence, rental, quick resale after value increase);
– the depth of the renovation (cosmetic, functional, structural, complete energy overhaul);
– priorities: comfort, style, reduced running costs, resale value, heritage respect, etc.
This clarification allows for correctly choosing:
– the energy performance level to aim for;
– the type of financing;
– the use (or not) of public aid.
2. Diagnose the Existing State
For an older property, the diagnosis must be twofold:
– technical: structure (foundations, walls, floors, roof), pathologies (moisture, cracks, damaged wood), networks (electricity, gas, heating), ventilation and air quality;
– regulatory: possible heritage status, zoning, local planning rules, height or parking constraints, specific obligations (accessibility, parking, etc.).
A serious inspection by a structural engineer or building expert is often an excellent investment. This is particularly recommended in regions where older constructions may present specific traditional techniques, such as mixed masonry (stone/brick), wood, or rammed earth.
3. Optimize Aid and Financial Structure
Based on the diagnostics and the project:
– verify eligibility for different programs (Nová zelená úsporám, Oprav dům po babičce, regional programs, heritage aid);
– simulate the impact of subsidies on the financing plan;
– if necessary, adjust the project to maximize aid (for example, moving from partial to complete envelope insulation to access a better subsidy rate);
– negotiate with banks for financing conditions adapted to the work schedule (release phases, drawdown period, possible discounts for “green” projects).
4. Secure the Administrative Part
At this stage, it is useful to formally consult:
– the stavební úřad (building authority) to clarify the work category and procedures;
– heritage services (NPÚ, municipal service) for protected buildings;
– possibly a lawyer specialized in real estate and construction law, especially for complex projects or those with multiple parties involved.
It is recommended to:
For a building permit application in the Czech Republic, it is crucial to: first, check if the project requires a full permit or just a prior notification. Second, organize the digital submission via the Portál stavebníka (Builder’s Portal) and ensure all project documentation (plans, studies, Building Performance Certificate – PENB) is correctly registered in the electronic register. Third, anticipate administrative deadlines and establish a realistic schedule for the application review phase.
5. Choose the Right Partners
The choice of service providers is a determining success factor:
– architect and engineers: for structural, energy, or heritage projects, they are indispensable to comply with standards and optimize the project;
– construction companies: check references, insurance, licenses, financial stability, specific experience (e.g., old buildings, high-performance insulation, historic façade restoration);
– project manager: particularly useful for non-residents or multi-trade sites.
The contract should detail precisely:
– prices and payment tranches linked to measurable milestones;
– deadlines and penalties for delay;
– guarantees (completion guarantee, decennial if applicable);
– procedures for managing changes during construction (amendments, price revisions, impact on schedule).
6. Monitor and Take Over
During work:
To ensure the smooth progress of a project, organize regular follow-ups via physical or virtual visits and progress reports illustrated with photos. Systematically document all decisions and changes in writing. Finally, maintain an up-to-date budget tracking table that includes a reserve for unforeseen events.
At the end of the construction site:
– carry out a formal handover, with a punch list;
– ensure compliance with the permit and the approved project (condition for obtaining the occupancy authorization / permit if required);
– collect and archive all documents: invoices, “as-built” plans, warranties, compliance certificates, updated PENB.
—
By combining a good understanding of the regulatory framework, a structured financial approach, and judicious use of the many renovation subsidies, it is now possible to deeply transform an older property in the Czech Republic, while controlling its budget and significantly increasing the asset’s value. The macroeconomic context – stabilization of construction prices, massive subsidy schemes, increasing energy efficiency requirements – makes the current period particularly favorable for getting started, provided the project is approached as a genuine long-term investment, rigorously prepared and managed.
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Cyril Jarnias is an independent expert in international wealth management with over 20 years of experience. As an expatriate himself, he is dedicated to helping individuals and business leaders build, protect, and pass on their wealth with complete peace of mind.
On his website, cyriljarnias.com, he shares his expertise on international real estate, offshore company formation, and expatriation.
Thanks to his expertise, he offers sound advice to optimize his clients' wealth management. Cyril Jarnias is also recognized for his appearances in many prestigious media outlets such as BFM Business, les Français de l’étranger, Le Figaro, Les Echos, and Mieux vivre votre argent, where he shares his knowledge and know-how in wealth management.
