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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

10 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month31.179 Kč

Mortgage5,8 Mio. Kč

Monthly payment

Monthly payment
31.179 Kča month
Mortgage
5.848.000 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 % of the price
The most a bank may lend you: 80 %
Cash on day one
669.000 Kč
Interest over 30 years
5.376.644 Kč
Repaid in all
11.224.644 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
1286.935 Kč87.213 Kč5.760.787 Kč
2282.527 Kč91.621 Kč5.669.166 Kč
3277.896 Kč96.252 Kč5.572.914 Kč
4273.034 Kč101.114 Kč5.471.800 Kč
5267.924 Kč106.224 Kč5.365.576 Kč
6262.556 Kč111.592 Kč5.253.984 Kč
7256.916 Kč117.232 Kč5.136.752 Kč
8250.993 Kč123.155 Kč5.013.597 Kč
9244.768 Kč129.380 Kč4.884.217 Kč
10238.230 Kč135.918 Kč4.748.299 Kč
11231.361 Kč142.787 Kč4.605.512 Kč
12224.146 Kč150.002 Kč4.455.510 Kč
13216.564 Kč157.584 Kč4.297.926 Kč
14208.605 Kč165.543 Kč4.132.383 Kč
15200.237 Kč173.911 Kč3.958.472 Kč
16191.448 Kč182.700 Kč3.775.772 Kč
17182.217 Kč191.931 Kč3.583.841 Kč
18172.518 Kč201.630 Kč3.382.211 Kč
19162.327 Kč211.821 Kč3.170.390 Kč
20151.624 Kč222.524 Kč2.947.866 Kč
21140.378 Kč233.770 Kč2.714.096 Kč
22128.566 Kč245.582 Kč2.468.514 Kč
23116.157 Kč257.991 Kč2.210.523 Kč
24103.117 Kč271.031 Kč1.939.492 Kč
2589.423 Kč284.725 Kč1.654.767 Kč
2675.032 Kč299.116 Kč1.355.651 Kč
2759.918 Kč314.230 Kč1.041.421 Kč
2844.038 Kč330.110 Kč711.311 Kč
2927.355 Kč346.793 Kč364.518 Kč
309.834 Kč364.518 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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