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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

9,5 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month31.350 Kč

Mortgage5,9 Mio. Kč

Monthly payment

Monthly payment
31.350 Kča month
Mortgage
5.880.000 Kč

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

Loan to value
90,5 % of the price
The most a bank may lend you: 80 %
Cash on day one
637.000 Kč
Interest over 30 years
5.405.899 Kč
Repaid in all
11.285.899 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
1288.505 Kč87.695 Kč5.792.305 Kč
2284.072 Kč92.128 Kč5.700.177 Kč
3279.417 Kč96.783 Kč5.603.394 Kč
4274.526 Kč101.674 Kč5.501.720 Kč
5269.390 Kč106.810 Kč5.394.910 Kč
6263.991 Kč112.209 Kč5.282.701 Kč
7258.319 Kč117.881 Kč5.164.820 Kč
8252.365 Kč123.835 Kč5.040.985 Kč
9246.106 Kč130.094 Kč4.910.891 Kč
10239.533 Kč136.667 Kč4.774.224 Kč
11232.624 Kč143.576 Kč4.630.648 Kč
12225.368 Kč150.832 Kč4.479.816 Kč
13217.748 Kč158.452 Kč4.321.364 Kč
14209.741 Kč166.459 Kč4.154.905 Kč
15201.329 Kč174.871 Kč3.980.034 Kč
16192.492 Kč183.708 Kč3.796.326 Kč
17183.207 Kč192.993 Kč3.603.333 Kč
18173.456 Kč202.744 Kč3.400.589 Kč
19163.210 Kč212.990 Kč3.187.599 Kč
20152.445 Kč223.755 Kč2.963.844 Kč
21141.138 Kč235.062 Kč2.728.782 Kč
22129.261 Kč246.939 Kč2.481.843 Kč
23116.783 Kč259.417 Kč2.222.426 Kč
24103.673 Kč272.527 Kč1.949.899 Kč
2589.902 Kč286.298 Kč1.663.601 Kč
2675.434 Kč300.766 Kč1.362.835 Kč
2760.232 Kč315.968 Kč1.046.867 Kč
2844.268 Kč331.932 Kč714.935 Kč
2927.492 Kč348.708 Kč366.227 Kč
309.872 Kč366.227 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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