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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

15,6 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month29.239 Kč

Mortgage5,5 Mio. Kč

Monthly payment

Monthly payment
29.239 Kča month
Mortgage
5.484.000 Kč

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

Loan to value
84,4 % of the price
The most a bank may lend you: 80 %
Cash on day one
1.033.000 Kč
Interest over 30 years
5.041.647 Kč
Repaid in all
10.525.647 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
1269.074 Kč81.794 Kč5.402.206 Kč
2264.939 Kč85.929 Kč5.316.277 Kč
3260.598 Kč90.270 Kč5.226.007 Kč
4256.038 Kč94.830 Kč5.131.177 Kč
5251.245 Kč99.623 Kč5.031.554 Kč
6246.209 Kč104.659 Kč4.926.895 Kč
7240.921 Kč109.947 Kč4.816.948 Kč
8235.364 Kč115.504 Kč4.701.444 Kč
9229.530 Kč121.338 Kč4.580.106 Kč
10223.398 Kč127.470 Kč4.452.636 Kč
11216.957 Kč133.911 Kč4.318.725 Kč
12210.189 Kč140.679 Kč4.178.046 Kč
13203.078 Kč147.790 Kč4.030.256 Kč
14195.612 Kč155.256 Kč3.875.000 Kč
15187.763 Kč163.105 Kč3.711.895 Kč
16179.521 Kč171.347 Kč3.540.548 Kč
17170.861 Kč180.007 Kč3.360.541 Kč
18161.768 Kč189.100 Kč3.171.441 Kč
19152.212 Kč198.656 Kč2.972.785 Kč
20142.173 Kč208.695 Kč2.764.090 Kč
21131.625 Kč219.243 Kč2.544.847 Kč
22120.546 Kč230.322 Kč2.314.525 Kč
23108.910 Kč241.958 Kč2.072.567 Kč
2496.680 Kč254.188 Kč1.818.379 Kč
2583.835 Kč267.033 Kč1.551.346 Kč
2670.342 Kč280.526 Kč1.270.820 Kč
2756.165 Kč294.703 Kč976.117 Kč
2841.273 Kč309.595 Kč666.522 Kč
2925.629 Kč325.239 Kč341.283 Kč
309.192 Kč341.283 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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