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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

23 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month26.679 Kč

Mortgage5 Mio. Kč

Monthly payment

Monthly payment
26.679 Kča month
Mortgage
5.004.000 Kč

A bank will want to see a net income of about 59.287 Kč a month, for the payment to be 45 % of it.

Loan to value
77 % of the price
The most a bank may lend you: 80 %
Cash on day one
1.513.000 Kč
Interest over 30 years
4.600.757 Kč
Repaid in all
9.604.757 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
1245.524 Kč74.624 Kč4.929.376 Kč
2241.751 Kč78.397 Kč4.850.979 Kč
3237.792 Kč82.356 Kč4.768.623 Kč
4233.628 Kč86.520 Kč4.682.103 Kč
5229.257 Kč90.891 Kč4.591.212 Kč
6224.663 Kč95.485 Kč4.495.727 Kč
7219.838 Kč100.310 Kč4.395.417 Kč
8214.768 Kč105.380 Kč4.290.037 Kč
9209.444 Kč110.704 Kč4.179.333 Kč
10203.849 Kč116.299 Kč4.063.034 Kč
11197.973 Kč122.175 Kč3.940.859 Kč
12191.798 Kč128.350 Kč3.812.509 Kč
13185.313 Kč134.835 Kč3.677.674 Kč
14178.499 Kč141.649 Kč3.536.025 Kč
15171.341 Kč148.807 Kč3.387.218 Kč
16163.821 Kč156.327 Kč3.230.891 Kč
17155.922 Kč164.226 Kč3.066.665 Kč
18147.622 Kč172.526 Kč2.894.139 Kč
19138.903 Kč181.245 Kč2.712.894 Kč
20129.745 Kč190.403 Kč2.522.491 Kč
21120.122 Kč200.026 Kč2.322.465 Kč
22110.015 Kč210.133 Kč2.112.332 Kč
2399.396 Kč220.752 Kč1.891.580 Kč
2488.241 Kč231.907 Kč1.659.673 Kč
2576.520 Kč243.628 Kč1.416.045 Kč
2664.210 Kč255.938 Kč1.160.107 Kč
2751.276 Kč268.872 Kč891.235 Kč
2837.689 Kč282.459 Kč608.776 Kč
2923.415 Kč296.733 Kč312.043 Kč
308.422 Kč312.043 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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