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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

12,5 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month30.326 Kč

Mortgage5,7 Mio. Kč

Monthly payment

Monthly payment
30.326 Kča month
Mortgage
5.688.000 Kč

A bank may lend you at most 80 % of the price, so put down at least 1.300.000 Kč.

Loan to value
87,5 % of the price
The most a bank may lend you: 80 %
Cash on day one
829.000 Kč
Interest over 30 years
5.229.515 Kč
Repaid in all
10.917.515 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
1279.084 Kč84.828 Kč5.603.172 Kč
2274.797 Kč89.115 Kč5.514.057 Kč
3270.294 Kč93.618 Kč5.420.439 Kč
4265.561 Kč98.351 Kč5.322.088 Kč
5260.593 Kč103.319 Kč5.218.769 Kč
6255.370 Kč108.542 Kč5.110.227 Kč
7249.886 Kč114.026 Kč4.996.201 Kč
8244.125 Kč119.787 Kč4.876.414 Kč
9238.071 Kč125.841 Kč4.750.573 Kč
10231.713 Kč132.199 Kč4.618.374 Kč
11225.031 Kč138.881 Kč4.479.493 Kč
12218.014 Kč145.898 Kč4.333.595 Kč
13210.641 Kč153.271 Kč4.180.324 Kč
14202.896 Kč161.016 Kč4.019.308 Kč
15194.756 Kč169.156 Kč3.850.152 Kč
16186.210 Kč177.702 Kč3.672.450 Kč
17177.230 Kč186.682 Kč3.485.768 Kč
18167.797 Kč196.115 Kč3.289.653 Kč
19157.886 Kč206.026 Kč3.083.627 Kč
20147.474 Kč216.438 Kč2.867.189 Kč
21136.536 Kč227.376 Kč2.639.813 Kč
22125.047 Kč238.865 Kč2.400.948 Kč
23112.977 Kč250.935 Kč2.150.013 Kč
24100.294 Kč263.618 Kč1.886.395 Kč
2586.975 Kč276.937 Kč1.609.458 Kč
2672.980 Kč290.932 Kč1.318.526 Kč
2758.277 Kč305.635 Kč1.012.891 Kč
2842.833 Kč321.079 Kč691.812 Kč
2926.607 Kč337.305 Kč354.507 Kč
309.560 Kč354.507 Kč0 Kč

Read the guide to Czech mortgages for foreigners

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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.

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