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Marriage Without Financial Uncertainty

Why and How to Enter into a Prenuptial Agreement

A prenuptial agreement allows couples to arrange their property regime in advance and reduce the risk of disputes or business debts affecting family assets. For example, they may agree on separate property or define how a company share will be owned. The article explains the available marital property arrangements, the requirement for a notarial deed and how the agreement can later be amended.

Woman seated in a modern office, discussing prenuptial agreements and financial planning for marriage.

Key takeaways

Secure your financial stability in marriage. A prenuptial agreement allows you to clearly define your property relations both before and during the marriage, which is a sign of responsibility and care for your shared future.
Keep your property separate even after the wedding. You can agree that everything each of you earns or acquires will remain your separate property. This is crucial if one of you is an entrepreneur and wishes to avoid jeopardizing the other partner's assets.
Modify the scope of your community property. The agreement allows you to expand or narrow the scope of your community property, for example, by excluding an inherited apartment or, conversely, including a company owned by one of you before the marriage, thereby achieving property equality.
Communicate openly with your partner. Before formally executing the agreement, talk to your partner about managing finances, any potential debts, and asset protection. This dialogue prevents misunderstandings and strengthens mutual trust.
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What can a prenuptial agreement specifically look like?

1. Separate property

Partners can agree in the agreement that even after marriage, each will keep their property separate. This means that everything one of them earns or acquires remains solely theirs. For example:
“Property acquired by each spouse before and after the marriage remains the exclusive property of the spouse who acquired it.”

Why consider this:
This option is often suitable if one of the partners is a business owner and does not want to risk potential debts or business liabilities jeopardising the other's assets.

2. Expanding or narrowing the community property

Spouses can modify what will (or will not) be included in their community property. For example, the agreement can state that an apartment inherited by one spouse will not be part of the community property, or conversely, that a company owned by one spouse before the marriage will be included.
“The community property of the spouses shall also include the real estate acquired by the husband before the marriage, located at the address…”

Why consider this:
Such an arrangement is helpful, for example, in situations where spouses want to be equal in assets, even if one of them enters the marriage with more property.

Do you think a prenuptial agreement is unromantic? On the contrary! It is an expression of responsibility and care for your future together. By entering into such an agreement, you show that you are prepared for any situations that may arise.

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How to conclude a prenuptial agreement – step by step

1. Consultation with an expert

The first step is a consultation with a lawyer or a notary. They will explain your legal options, answer your questions, and prepare a draft agreement tailored to your needs. It is important that the agreement is drafted in accordance with the law, and therefore it must be concluded in the form of a notarial deed (Section 716 of the Czech Civil Code).

2. Open communication with your partner

Before you begin the formal process, have an open conversation with your partner. Discuss together the issues that may affect you in the future. For example:

  • How will you manage your joint finances?

  • How will you handle any potential debts?

  • How will the assets or business of one of you be protected?

This step is crucial as it helps prevent misunderstandings and strengthens mutual trust.

3. Notarisation and conclusion of the agreement by a notary

A notary is an essential part of the process. Not only will they draw up the agreement in the form of a notarial deed, but they will also ensure that its content complies with legal regulations. The agreement can be amended in the future if both partners agree. However, the amendment must again be made in the form of a notarial deed (Section 717 of the Czech Civil Code).

Frequently asked questions about property regimes and concluding a prenuptial agreement

1. Is it necessary to conclude a prenuptial agreement exclusively with a notary?

  • Yes. According to Section 716 of the Czech Civil Code, a prenuptial agreement must always be in the form of a notarial deed. A simple written agreement or an agreement with only officially certified signatures is legally invalid for the purpose of modifying community property.

2. What is the main difference between separate property and narrowing/expanding the community property of spouses (SJM)?

  • The separate property regime means that no community property is created at all, and each spouse acquires assets and debts exclusively for themselves. Narrowing or expanding the SJM modifies the scope of the community property – it specifies particular assets (e.g., real estate, a company, or debts) that will be included in or excluded from the SJM.

3. How far in advance of the wedding is it ideal to arrange a prenuptial agreement?

  1. It is recommended to start the process of consulting an expert and discussing with your partner 2 to 3 months before the planned wedding. This will help you avoid time pressure during the pre-wedding rush and give you space to clarify all property details.

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Tips for concluding a prenuptial agreement

  • Don't leave it to the last minute: It is recommended to start the process several months before the wedding.

  • Think about the future: Even if everything seems clear now, life brings unexpected situations. Think about different scenarios.

  • Be realistic: A prenuptial agreement should reflect your actual needs and situation, not idealised notions.

Risk and potential problems

How ARROWS helps

Family assets at risk from business debts

We will propose and prepare a separate property regime that reliably protects the other partner's assets and savings from business risks and debts.

Disputes over pre-marital property and inheritance

We will draft precise arrangements for narrowing or expanding the SJM (including property acquired before marriage or inheritance) exactly according to your individual needs.

Invalidity of the agreement due to formal or content errors

We will fully manage the legal preparation of the agreement in accordance with the Czech Civil Code and coordinate its execution with a notary, eliminating the risk of legal defects.

Taboo subject and fears of undermining trust

We provide objective and sensitive consultation, help you set balanced conditions for both partners, and approach the topic constructively as an expression of care for the future.

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The most common myths about prenuptial agreements

  • “A prenuptial agreement is only for the rich.”
    In reality, it can also protect small savings or assets that you will acquire in the future.

  • “My partner won't trust me.”
    On the contrary, a well-drafted agreement strengthens the relationship because it allows sensitive issues to be resolved in advance and prevents later disputes.

  • “The agreement cannot be changed.”
    If the situation changes, the agreement can be modified. However, any change requires the consent of both parties and a notarial deed (Section 717 of the Czech Civil Code).

DO YOU NEED LEGAL HELP?

Get in touch — we're happy to help.

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Conclusion

Concluding a prenuptial agreement is one way to ensure a peaceful and secure marriage. If you want clarity on property matters and to avoid future complications, do not hesitate to contact an expert. Secure your interests and protect what matters to you. A prenuptial agreement can be the key to financial stability and a harmonious relationship.

Frequently asked questions about prenuptial agreements, asset protection, and myths

1. How does a prenuptial agreement protect the other partner from business risks?

  • By establishing a separate property regime or excluding business assets and liabilities from the SJM, business debts remain the exclusive debt of the entrepreneurial spouse. Creditors or bailiffs cannot therefore attach the assets and income of the non-entrepreneurial partner.

2. Can a prenuptial agreement be changed or cancelled after the marriage has been concluded?

  • Yes. If the spouses' property or life situation changes, the agreement can be amended or the SJM regime changed by mutual agreement. According to Section 717 of the Czech Civil Code, any subsequent change again requires the form of a notarial deed.

3. Does a prenuptial agreement also apply to property acquired before the wedding?

  • Property acquired before the wedding is automatically the exclusive property of the person who acquired it. However, a prenuptial agreement can stipulate that this specific pre-marital property (e.g., an apartment owned by one of the partners) will become part of the community property of the spouses after the wedding.

4. Is a prenuptial agreement worthwhile even for people without significant assets?

  • Yes. A prenuptial agreement does not only regulate existing assets, but primarily the rules for managing assets and income that the partners will acquire in the future. It also effectively protects against taking on the future unexpected debts of the other partner.

5. What happens if there is a divorce and the partners had a separate property agreement?

  • In a divorce, there is no need for a complicated settlement of the community property of spouses (SJM) because no community property was created. Each partner takes the property that is registered in their name or that they can prove they acquired themselves.

6. Why is it advisable to consult a lawyer about the text of the agreement before visiting a notary?

A lawyer will help you precisely define your individual needs, assess the specific risks of your liabilities or business, and propose specific contractual provisions to maximally protect your interests even before the final notarial deed is created.

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About the author

Mgr. Vendula Růžková, LL.M., MBA
Mgr. Vendula Růžková, LL.M., MBA

Associate

Mgr. Vendula Růžková, LL.M., MBA is an experienced attorney at ARROWS, specializing in commercial and civil litigation. Her focus lies in procedural law and the development of litigation strategies aimed at achieving concrete results and protecting clients’ business interests.

Disclaimer:

The information contained in this article is for general informational purposes only and serves as a basic guide to the issue as of 2026. Although we strive for maximum accuracy, laws and their interpretation evolve over time. We are ARROWS Law Firm, a member of the Czech Bar Association (our supervisory authority), and for the maximum security of our clients, we are insured for professional liability with a limit of CZK 350,000,000. To verify the current wording of the regulations and their application to your specific situation, it is necessary to contact ARROWS Law Firm directly (consultation@arws.cz). We are not liable for any damages arising from the independent use of the information in this article without prior individual legal consultation.