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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

16,7 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month28.876 Kč

Mortgage5,4 Mio. Kč

Monthly payment

Monthly payment
28.876 Kča month
Mortgage
5.416.000 Kč

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

Loan to value
83,3 % of the price
The most a bank may lend you: 80 %
Cash on day one
1.101.000 Kč
Interest over 30 years
4.979.337 Kč
Repaid in all
10.395.337 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
1265.739 Kč80.773 Kč5.335.227 Kč
2261.656 Kč84.856 Kč5.250.371 Kč
3257.366 Kč89.146 Kč5.161.225 Kč
4252.863 Kč93.649 Kč5.067.576 Kč
5248.132 Kč98.380 Kč4.969.196 Kč
6243.158 Kč103.354 Kč4.865.842 Kč
7237.936 Kč108.576 Kč4.757.266 Kč
8232.449 Kč114.063 Kč4.643.203 Kč
9226.685 Kč119.827 Kč4.523.376 Kč
10220.629 Kč125.883 Kč4.397.493 Kč
11214.268 Kč132.244 Kč4.265.249 Kč
12207.584 Kč138.928 Kč4.126.321 Kč
13200.566 Kč145.946 Kč3.980.375 Kč
14193.189 Kč153.323 Kč3.827.052 Kč
15185.440 Kč161.072 Kč3.665.980 Kč
16177.303 Kč169.209 Kč3.496.771 Kč
17168.753 Kč177.759 Kč3.319.012 Kč
18159.769 Kč186.743 Kč3.132.269 Kč
19150.334 Kč196.178 Kč2.936.091 Kč
20140.419 Kč206.093 Kč2.729.998 Kč
21130.002 Kč216.510 Kč2.513.488 Kč
22119.062 Kč227.450 Kč2.286.038 Kč
23107.568 Kč238.944 Kč2.047.094 Kč
2495.494 Kč251.018 Kč1.796.076 Kč
2582.809 Kč263.703 Kč1.532.373 Kč
2669.481 Kč277.031 Kč1.255.342 Kč
2755.484 Kč291.028 Kč964.314 Kč
2840.776 Kč305.736 Kč658.578 Kč
2925.327 Kč321.185 Kč337.393 Kč
309.096 Kč337.393 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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