Zum Inhalt springen

Free tool

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

9,7 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month31.286 Kč

Mortgage5,9 Mio. Kč

Monthly payment

Monthly payment
31.286 Kča month
Mortgage
5.868.000 Kč

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

Loan to value
90,3 % of the price
The most a bank may lend you: 80 %
Cash on day one
649.000 Kč
Interest over 30 years
5.394.852 Kč
Repaid in all
11.262.852 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
1287.916 Kč87.516 Kč5.780.484 Kč
2283.491 Kč91.941 Kč5.688.543 Kč
3278.845 Kč96.587 Kč5.591.956 Kč
4273.966 Kč101.466 Kč5.490.490 Kč
5268.838 Kč106.594 Kč5.383.896 Kč
6263.452 Kč111.980 Kč5.271.916 Kč
7257.795 Kč117.637 Kč5.154.279 Kč
8251.848 Kč123.584 Kč5.030.695 Kč
9245.602 Kč129.830 Kč4.900.865 Kč
10239.042 Kč136.390 Kč4.764.475 Kč
11232.149 Kč143.283 Kč4.621.192 Kč
12224.909 Kč150.523 Kč4.470.669 Kč
13217.303 Kč158.129 Kč4.312.540 Kč
14209.312 Kč166.120 Kč4.146.420 Kč
15200.916 Kč174.516 Kč3.971.904 Kč
16192.099 Kč183.333 Kč3.788.571 Kč
17182.834 Kč192.598 Kč3.595.973 Kč
18173.100 Kč202.332 Kč3.393.641 Kč
19162.875 Kč212.557 Kč3.181.084 Kč
20152.136 Kč223.296 Kč2.957.788 Kč
21140.852 Kč234.580 Kč2.723.208 Kč
22128.999 Kč246.433 Kč2.476.775 Kč
23116.544 Kč258.888 Kč2.217.887 Kč
24103.460 Kč271.972 Kč1.945.915 Kč
2589.719 Kč285.713 Kč1.660.202 Kč
2675.278 Kč300.154 Kč1.360.048 Kč
2760.110 Kč315.322 Kč1.044.726 Kč
2844.175 Kč331.257 Kč713.469 Kč
2927.436 Kč347.996 Kč365.473 Kč
309.851 Kč365.473 Kč0 Kč

Read the guide to Czech mortgages for foreigners

Reader poll

Do you think you'll ever be able to buy a home in Prague?

Anonymous, one answer per browser. We use the answers to learn who reads Bytky.

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.

Erfahre, was eine Wohnung wert ist, bevor du anrufst.

Kostenlos für alle auf Wohnungssuche. Ohne Installation und ohne Konto loslegen.