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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

17,4 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month28.609 Kč

Mortgage5,4 Mio. Kč

Monthly payment

Monthly payment
28.609 Kča month
Mortgage
5.366.000 Kč

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

Loan to value
82,6 % of the price
The most a bank may lend you: 80 %
Cash on day one
1.151.000 Kč
Interest over 30 years
4.933.582 Kč
Repaid in all
10.299.582 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
1263.284 Kč80.024 Kč5.285.976 Kč
2259.241 Kč84.067 Kč5.201.909 Kč
3254.993 Kč88.315 Kč5.113.594 Kč
4250.529 Kč92.779 Kč5.020.815 Kč
5245.841 Kč97.467 Kč4.923.348 Kč
6240.916 Kč102.392 Kč4.820.956 Kč
7235.741 Kč107.567 Kč4.713.389 Kč
8230.306 Kč113.002 Kč4.600.387 Kč
9224.594 Kč118.714 Kč4.481.673 Kč
10218.597 Kč124.711 Kč4.356.962 Kč
11212.295 Kč131.013 Kč4.225.949 Kč
12205.675 Kč137.633 Kč4.088.316 Kč
13198.719 Kč144.589 Kč3.943.727 Kč
14191.412 Kč151.896 Kč3.791.831 Kč
15183.734 Kč159.574 Kč3.632.257 Kč
16175.672 Kč167.636 Kč3.464.621 Kč
17167.201 Kč176.107 Kč3.288.514 Kč
18158.302 Kč185.006 Kč3.103.508 Kč
19148.952 Kč194.356 Kč2.909.152 Kč
20139.131 Kč204.177 Kč2.704.975 Kč
21128.813 Kč214.495 Kč2.490.480 Kč
22117.973 Kč225.335 Kč2.265.145 Kč
23106.586 Kč236.722 Kč2.028.423 Kč
2494.623 Kč248.685 Kč1.779.738 Kč
2582.058 Kč261.250 Kč1.518.488 Kč
2668.855 Kč274.453 Kč1.244.035 Kč
2754.986 Kč288.322 Kč955.713 Kč
2840.416 Kč302.892 Kč652.821 Kč
2925.108 Kč318.200 Kč334.621 Kč
309.029 Kč334.621 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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