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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

17,3 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month28.673 Kč

Mortgage5,4 Mio. Kč

Monthly payment

Monthly payment
28.673 Kča month
Mortgage
5.378.000 Kč

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

Loan to value
82,7 % of the price
The most a bank may lend you: 80 %
Cash on day one
1.139.000 Kč
Interest over 30 years
4.944.585 Kč
Repaid in all
10.322.585 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
1263.872 Kč80.204 Kč5.297.796 Kč
2259.821 Kč84.255 Kč5.213.541 Kč
3255.562 Kč88.514 Kč5.125.027 Kč
4251.091 Kč92.985 Kč5.032.042 Kč
5246.391 Kč97.685 Kč4.934.357 Kč
6241.455 Kč102.621 Kč4.831.736 Kč
7236.267 Kč107.809 Kč4.723.927 Kč
8230.821 Kč113.255 Kč4.610.672 Kč
9225.099 Kč118.977 Kč4.491.695 Kč
10219.086 Kč124.990 Kč4.366.705 Kč
11212.768 Kč131.308 Kč4.235.397 Kč
12206.132 Kč137.944 Kč4.097.453 Kč
13199.160 Kč144.916 Kč3.952.537 Kč
14191.838 Kč152.238 Kč3.800.299 Kč
15184.145 Kč159.931 Kč3.640.368 Kč
16176.063 Kč168.013 Kč3.472.355 Kč
17167.574 Kč176.502 Kč3.295.853 Kč
18158.654 Kč185.422 Kč3.110.431 Kč
19149.285 Kč194.791 Kč2.915.640 Kč
20139.442 Kč204.634 Kč2.711.006 Kč
21129.099 Kč214.977 Kč2.496.029 Kč
22118.237 Kč225.839 Kč2.270.190 Kč
23106.824 Kč237.252 Kč2.032.938 Kč
2494.834 Kč249.242 Kč1.783.696 Kč
2582.238 Kč261.838 Kč1.521.858 Kč
2669.007 Kč275.069 Kč1.246.789 Kč
2755.107 Kč288.969 Kč957.820 Kč
2840.505 Kč303.571 Kč654.249 Kč
2925.162 Kč318.914 Kč335.335 Kč
309.046 Kč335.335 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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