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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

8,8 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month31.616 Kč

Mortgage5,9 Mio. Kč

Monthly payment

Monthly payment
31.616 Kča month
Mortgage
5.930.000 Kč

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

Loan to value
91,2 % of the price
The most a bank may lend you: 80 %
Cash on day one
587.000 Kč
Interest over 30 years
5.452.108 Kč
Repaid in all
11.382.108 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
1290.956 Kč88.436 Kč5.841.564 Kč
2286.489 Kč92.903 Kč5.748.661 Kč
3281.795 Kč97.597 Kč5.651.064 Kč
4276.861 Kč102.531 Kč5.548.533 Kč
5271.678 Kč107.714 Kč5.440.819 Kč
6266.237 Kč113.155 Kč5.327.664 Kč
7260.519 Kč118.873 Kč5.208.791 Kč
8254.513 Kč124.879 Kč5.083.912 Kč
9248.203 Kč131.189 Kč4.952.723 Kč
10241.573 Kč137.819 Kč4.814.904 Kč
11234.607 Kč144.785 Kč4.670.119 Kč
12227.291 Kč152.101 Kč4.518.018 Kč
13219.604 Kč159.788 Kč4.358.230 Kč
14211.529 Kč167.863 Kč4.190.367 Kč
15203.045 Kč176.347 Kč4.014.020 Kč
16194.134 Kč185.258 Kč3.828.762 Kč
17184.774 Kč194.618 Kč3.634.144 Kč
18174.940 Kč204.452 Kč3.429.692 Kč
19164.607 Kč214.785 Kč3.214.907 Kč
20153.753 Kč225.639 Kč2.989.268 Kč
21142.350 Kč237.042 Kč2.752.226 Kč
22130.371 Kč249.021 Kč2.503.205 Kč
23117.789 Kč261.603 Kč2.241.602 Kč
24104.568 Kč274.824 Kč1.966.778 Kč
2590.681 Kč288.711 Kč1.678.067 Kč
2676.090 Kč303.302 Kč1.374.765 Kč
2760.764 Kč318.628 Kč1.056.137 Kč
2844.663 Kč334.729 Kč721.408 Kč
2927.747 Kč351.645 Kč369.763 Kč
309.977 Kč369.763 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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