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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

20,8 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month27.436 Kč

Mortgage5,1 Mio. Kč

Monthly payment

Monthly payment
27.436 Kča month
Mortgage
5.146.000 Kč

A bank will want to see a net income of about 60.969 Kč a month, for the payment to be 45 % of it.

Loan to value
79,2 % of the price
The most a bank may lend you: 80 %
Cash on day one
1.371.000 Kč
Interest over 30 years
4.731.316 Kč
Repaid in all
9.877.316 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
1252.490 Kč76.742 Kč5.069.258 Kč
2248.612 Kč80.620 Kč4.988.638 Kč
3244.538 Kč84.694 Kč4.903.944 Kč
4240.258 Kč88.974 Kč4.814.970 Kč
5235.762 Kč93.470 Kč4.721.500 Kč
6231.039 Kč98.193 Kč4.623.307 Kč
7226.075 Kč103.157 Kč4.520.150 Kč
8220.864 Kč108.368 Kč4.411.782 Kč
9215.387 Kč113.845 Kč4.297.937 Kč
10209.635 Kč119.597 Kč4.178.340 Kč
11203.590 Kč125.642 Kč4.052.698 Kč
12197.241 Kč131.991 Kč3.920.707 Kč
13190.572 Kč138.660 Kč3.782.047 Kč
14183.564 Kč145.668 Kč3.636.379 Kč
15176.202 Kč153.030 Kč3.483.349 Kč
16168.471 Kč160.761 Kč3.322.588 Kč
17160.345 Kč168.887 Kč3.153.701 Kč
18151.812 Kč177.420 Kč2.976.281 Kč
19142.844 Kč186.388 Kč2.789.893 Kč
20133.426 Kč195.806 Kč2.594.087 Kč
21123.531 Kč205.701 Kč2.388.386 Kč
22113.138 Kč216.094 Kč2.172.292 Kč
23102.217 Kč227.015 Kč1.945.277 Kč
2490.744 Kč238.488 Kč1.706.789 Kč
2578.693 Kč250.539 Kč1.456.250 Kč
2666.034 Kč263.198 Kč1.193.052 Kč
2752.732 Kč276.500 Kč916.552 Kč
2838.761 Kč290.471 Kč626.081 Kč
2924.079 Kč305.153 Kč320.928 Kč
308.660 Kč320.928 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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