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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 month28.875 Kč

Mortgage5,4 Mio. Kč

Monthly payment

Monthly payment
28.875 Kča month
Mortgage
5.415.800 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
1.101.200 Kč
Interest over 30 years
4.979.134 Kč
Repaid in all
10.394.934 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
1265.727 Kč80.773 Kč5.335.027 Kč
2261.647 Kč84.853 Kč5.250.174 Kč
3257.359 Kč89.141 Kč5.161.033 Kč
4252.854 Kč93.646 Kč5.067.387 Kč
5248.122 Kč98.378 Kč4.969.009 Kč
6243.150 Kč103.350 Kč4.865.659 Kč
7237.927 Kč108.573 Kč4.757.086 Kč
8232.440 Kč114.060 Kč4.643.026 Kč
9226.677 Kč119.823 Kč4.523.203 Kč
10220.621 Kč125.879 Kč4.397.324 Kč
11214.260 Kč132.240 Kč4.265.084 Kč
12207.579 Kč138.921 Kč4.126.163 Kč
13200.556 Kč145.944 Kč3.980.219 Kč
14193.182 Kč153.318 Kč3.826.901 Kč
15185.436 Kč161.064 Kč3.665.837 Kč
16177.295 Kč169.205 Kč3.496.632 Kč
17168.745 Kč177.755 Kč3.318.877 Kč
18159.762 Kč186.738 Kč3.132.139 Kč
19150.325 Kč196.175 Kč2.935.964 Kč
20140.410 Kč206.090 Kč2.729.874 Kč
21129.997 Kč216.503 Kč2.513.371 Kč
22119.057 Kč227.443 Kč2.285.928 Kč
23107.563 Kč238.937 Kč2.046.991 Kč
2495.489 Kč251.011 Kč1.795.980 Kč
2582.804 Kč263.696 Kč1.532.284 Kč
2669.480 Kč277.020 Kč1.255.264 Kč
2755.481 Kč291.019 Kč964.245 Kč
2840.773 Kč305.727 Kč658.518 Kč
2925.323 Kč321.177 Kč337.341 Kč
309.093 Kč337.341 Kč0 Kč

Read the guide to Czech mortgages for foreigners

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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