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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

13,8 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month29.878 Kč

Mortgage5,6 Mio. Kč

Monthly payment

Monthly payment
29.878 Kča month
Mortgage
5.604.000 Kč

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

Loan to value
86,2 % of the price
The most a bank may lend you: 80 %
Cash on day one
913.000 Kč
Interest over 30 years
5.152.354 Kč
Repaid in all
10.756.354 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
1274.962 Kč83.574 Kč5.520.426 Kč
2270.738 Kč87.798 Kč5.432.628 Kč
3266.300 Kč92.236 Kč5.340.392 Kč
4261.642 Kč96.894 Kč5.243.498 Kč
5256.745 Kč101.791 Kč5.141.707 Kč
6251.602 Kč106.934 Kč5.034.773 Kč
7246.197 Kč112.339 Kč4.922.434 Kč
8240.521 Kč118.015 Kč4.804.419 Kč
9234.558 Kč123.978 Kč4.680.441 Kč
10228.290 Kč130.246 Kč4.550.195 Kč
11221.708 Kč136.828 Kč4.413.367 Kč
12214.793 Kč143.743 Kč4.269.624 Kč
13207.532 Kč151.004 Kč4.118.620 Kč
14199.900 Kč158.636 Kč3.959.984 Kč
15191.884 Kč166.652 Kč3.793.332 Kč
16183.463 Kč175.073 Kč3.618.259 Kč
17174.615 Kč183.921 Kč3.434.338 Kč
18165.319 Kč193.217 Kč3.241.121 Kč
19155.557 Kč202.979 Kč3.038.142 Kč
20145.302 Kč213.234 Kč2.824.908 Kč
21134.524 Kč224.012 Kč2.600.896 Kč
22123.203 Kč235.333 Kč2.365.563 Kč
23111.311 Kč247.225 Kč2.118.338 Kč
2498.816 Kč259.720 Kč1.858.618 Kč
2585.694 Kč272.842 Kč1.585.776 Kč
2671.906 Kč286.630 Kč1.299.146 Kč
2757.420 Kč301.116 Kč998.030 Kč
2842.205 Kč316.331 Kč681.699 Kč
2926.220 Kč332.316 Kč349.383 Kč
309.427 Kč349.383 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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