Zum Inhalt springen

Free tool

How much can I borrow, and what will it buy?

Put in your income and savings to see the largest mortgage the ČNB's rules and a typical bank's affordability test allow, and the price that buys. Or start from a price to see the monthly payment. Then see the flats for sale within your budget.

From a shared link: change any figure to make it yours.

What do you want to know?

Who’s buying
The home

29,1 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month24.560 Kč

Mortgage4,6 Mio. Kč

Monthly payment

Monthly payment
24.560 Kča month
Mortgage
4.606.433 Kč

A bank will want to see a net income of about 54.578 Kč a month, for the payment to be 45 % of it.

Loan to value
70,9 % of the price
The most a bank may lend you: 80 %
Cash on day one
1.910.567 Kč
Interest over 30 years
4.234.907 Kč
Repaid in all
8.841.340 Kč

Flats for sale up to 6.500.000 Kč

Live from the listings on Bytky: how many flats for sale ask no more than your budget, by layout. Each opens them on the map.

Counting the flats…

What you still owe, year by year

Each year’s payments

Each year’s payments
YearInterestRepaidStill owed
1226.014 Kč68.706 Kč4.537.727 Kč
2222.545 Kč72.175 Kč4.465.552 Kč
3218.898 Kč75.822 Kč4.389.730 Kč
4215.066 Kč79.654 Kč4.310.076 Kč
5211.039 Kč83.681 Kč4.226.395 Kč
6206.812 Kč87.908 Kč4.138.487 Kč
7202.368 Kč92.352 Kč4.046.135 Kč
8197.703 Kč97.017 Kč3.949.118 Kč
9192.799 Kč101.921 Kč3.847.197 Kč
10187.649 Kč107.071 Kč3.740.126 Kč
11182.239 Kč112.481 Kč3.627.645 Kč
12176.553 Kč118.167 Kč3.509.478 Kč
13170.581 Kč124.139 Kč3.385.339 Kč
14164.309 Kč130.411 Kč3.254.928 Kč
15157.720 Kč137.000 Kč3.117.928 Kč
16150.795 Kč143.925 Kč2.974.003 Kč
17143.522 Kč151.198 Kč2.822.805 Kč
18135.882 Kč158.838 Kč2.663.967 Kč
19127.856 Kč166.864 Kč2.497.103 Kč
20119.424 Kč175.296 Kč2.321.807 Kč
21110.565 Kč184.155 Kč2.137.652 Kč
22101.258 Kč193.462 Kč1.944.190 Kč
2391.481 Kč203.239 Kč1.740.951 Kč
2481.211 Kč213.509 Kč1.527.442 Kč
2570.422 Kč224.298 Kč1.303.144 Kč
2659.090 Kč235.630 Kč1.067.514 Kč
2747.180 Kč247.540 Kč819.974 Kč
2834.673 Kč260.047 Kč559.927 Kč
2921.529 Kč273.191 Kč286.736 Kč
307.724 Kč286.736 Kč0 Kč

Read the guide to Czech mortgages for foreigners

Reader poll

Do you think you'll ever be able to buy a home in Prague?

Anonymous, one answer per browser. We use the answers to learn who reads Bytky.

How the calculator works

The ČNB sets how much of a home’s value a bank may lend. Banks then test whether you can afford the payments, each its own way. The calculator applies the ČNB’s limits as they stand and a typical affordability test you can change.

What it counts

  • Your income: the payment may take at most a share of your net income, less what other loans already take. The most that payment repays over the term is one limit.
  • Your savings: the purchase costs come out first. The rest must pay the part of the price a bank may not lend: 20 % of the price for most buyers, 10 % under 36, 30 % for a flat to let.
  • For a flat to let, the ČNB also recommends that all your debt stays within 7 times your yearly net income.
  • The lowest limit is what you could borrow, rounded down to the thousand. Add your savings after the purchase costs, and that’s the price you could pay.
  • The payment is a standard annuity: the same amount every month, mostly interest at first and mostly repayment by the end.

What it leaves out

  • The valuation: banks lend against their valuer’s figure, which can come in below the price.
  • Rate changes: the rate is fixed for a few years at a time, then set again. The calculator keeps one rate for the whole term.
  • Bank fees and insurance the bank may ask for. Compare offers by their RPSN, which counts the fees.
  • Each bank’s own checks: your job and residence, your age at the end of the term, the living costs it assumes for your household.
  • Tax relief: interest on a mortgage for your own home lowers your income tax. The rent or buy calculator counts it.

Every starting figure and its source

Verified figures come from the ČNB or the law, checked on the date shown. Assumptions are typical values: change them to yours.

Questions

Questions about Czech mortgages

How much can I borrow for a mortgage in Czechia?

Two things set it. The ČNB caps the loan at 80 % of the home’s value (90 % if you’re under 36 and buying your own home), so your savings decide the most you can borrow. And the bank checks you can afford the payments: a common ceiling is all loan payments at most 45 % of your net income. The lower of the two is what you could borrow.

How big a down payment do I need?

At least 20 % of the value for most buyers, or 10 % if you’re under 36 and buying your own home. For a flat bought to let, the ČNB recommends at least 30 %. The purchase costs, about 17.000 Kč for the cadastre fee and a lawyer, come on top.

Is there a limit on payments against income?

Not a legal one for your own home any more. The ČNB capped loan payments at 45 % of net income (50 % under 36) from April 2022 until July 2023. Banks still test affordability, each its own way, so the calculator uses 45 % as a typical ceiling you can change.

What changes for a flat bought to let?

Since April 2026 the ČNB recommends that a mortgage on a flat to let, or on a third or further home, covers at most 70 % of its value, and that all your debt stays within 7 times your net income for a year. Switch “What it’s for” to a flat to let to apply both.

What interest rate should I put in?

The calculator starts from 4,94 %, the ČNB’s average rate on new housing loans. Your bank’s offer depends on the fixation, the share of the price you borrow and your income. Czech rates are fixed for a few years at a time, so the payment can change when the fixation ends.

Can I get a Czech mortgage as a foreigner?

Usually, yes. The ČNB’s limits are the same for everyone; what differs is each bank’s rules on residence and income. Citizens of the EU living in Czechia are usually treated like Czechs. Our guide to mortgages for foreigners explains what banks ask.

Erfahre, was eine Wohnung wert ist, bevor du anrufst.

Kostenlos für alle auf Wohnungssuche. Ohne Installation und ohne Konto loslegen.