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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

17,5 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month28.599 Kč

Mortgage5,4 Mio. Kč

Monthly payment

Monthly payment
28.599 Kča month
Mortgage
5.364.000 Kč

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

Loan to value
82,5 % of the price
The most a bank may lend you: 80 %
Cash on day one
1.153.000 Kč
Interest over 30 years
4.931.436 Kč
Repaid in all
10.295.436 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
1263.187 Kč80.001 Kč5.283.999 Kč
2259.144 Kč84.044 Kč5.199.955 Kč
3254.896 Kč88.292 Kč5.111.663 Kč
4250.435 Kč92.753 Kč5.018.910 Kč
5245.748 Kč97.440 Kč4.921.470 Kč
6240.824 Kč102.364 Kč4.819.106 Kč
7235.652 Kč107.536 Kč4.711.570 Kč
8230.215 Kč112.973 Kč4.598.597 Kč
9224.508 Kč118.680 Kč4.479.917 Kč
10218.511 Kč124.677 Kč4.355.240 Kč
11212.211 Kč130.977 Kč4.224.263 Kč
12205.591 Kč137.597 Kč4.086.666 Kč
13198.637 Kč144.551 Kč3.942.115 Kč
14191.332 Kč151.856 Kč3.790.259 Kč
15183.659 Kč159.529 Kč3.630.730 Kč
16175.596 Kč167.592 Kč3.463.138 Kč
17167.129 Kč176.059 Kč3.287.079 Kč
18158.231 Kč184.957 Kč3.102.122 Kč
19148.885 Kč194.303 Kč2.907.819 Kč
20139.065 Kč204.123 Kč2.703.696 Kč
21128.752 Kč214.436 Kč2.489.260 Kč
22117.913 Kč225.275 Kč2.263.985 Kč
23106.532 Kč236.656 Kč2.027.329 Kč
2494.571 Kč248.617 Kč1.778.712 Kč
2582.008 Kč261.180 Kč1.517.532 Kč
2668.808 Kč274.380 Kč1.243.152 Kč
2754.944 Kč288.244 Kč954.908 Kč
2840.377 Kč302.811 Kč652.097 Kč
2925.076 Kč318.112 Kč333.985 Kč
308.999 Kč333.985 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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