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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 month28.855 Kč

Mortgage5,4 Mio. Kč

Monthly payment

Monthly payment
28.855 Kča month
Mortgage
5.412.000 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
1.105.000 Kč
Interest over 30 years
4.975.522 Kč
Repaid in all
10.387.522 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
1265.541 Kč80.719 Kč5.331.281 Kč
2261.463 Kč84.797 Kč5.246.484 Kč
3257.178 Kč89.082 Kč5.157.402 Kč
4252.676 Kč93.584 Kč5.063.818 Kč
5247.945 Kč98.315 Kč4.965.503 Kč
6242.977 Kč103.283 Kč4.862.220 Kč
7237.760 Kč108.500 Kč4.753.720 Kč
8232.276 Kč113.984 Kč4.639.736 Kč
9226.516 Kč119.744 Kč4.519.992 Kč
10220.466 Kč125.794 Kč4.394.198 Kč
11214.108 Kč132.152 Kč4.262.046 Kč
12207.429 Kč138.831 Kč4.123.215 Kč
13200.414 Kč145.846 Kč3.977.369 Kč
14193.044 Kč153.216 Kč3.824.153 Kč
15185.304 Kč160.956 Kč3.663.197 Kč
16177.165 Kč169.095 Kč3.494.102 Kč
17168.623 Kč177.637 Kč3.316.465 Kč
18159.644 Kč186.616 Kč3.129.849 Kč
19150.217 Kč196.043 Kč2.933.806 Kč
20140.309 Kč205.951 Kč2.727.855 Kč
21129.902 Kč216.358 Kč2.511.497 Kč
22118.967 Kč227.293 Kč2.284.204 Kč
23107.482 Kč238.778 Kč2.045.426 Kč
2495.415 Kč250.845 Kč1.794.581 Kč
2582.737 Kč263.523 Kč1.531.058 Kč
2669.421 Kč276.839 Kč1.254.219 Kč
2755.434 Kč290.826 Kč963.393 Kč
2840.735 Kč305.525 Kč657.868 Kč
2925.298 Kč320.962 Kč336.906 Kč
309.076 Kč336.906 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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