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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

16,9 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month28.801 Kč

Mortgage5,4 Mio. Kč

Monthly payment

Monthly payment
28.801 Kča month
Mortgage
5.402.000 Kč

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

Loan to value
83,1 % of the price
The most a bank may lend you: 80 %
Cash on day one
1.115.000 Kč
Interest over 30 years
4.966.612 Kč
Repaid in all
10.368.612 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
1265.050 Kč80.562 Kč5.321.438 Kč
2260.980 Kč84.632 Kč5.236.806 Kč
3256.700 Kč88.912 Kč5.147.894 Kč
4252.209 Kč93.403 Kč5.054.491 Kč
5247.491 Kč98.121 Kč4.956.370 Kč
6242.532 Kč103.080 Kč4.853.290 Kč
7237.322 Kč108.290 Kč4.745.000 Kč
8231.850 Kč113.762 Kč4.631.238 Kč
9226.101 Kč119.511 Kč4.511.727 Kč
10220.061 Kč125.551 Kč4.386.176 Kč
11213.716 Kč131.896 Kč4.254.280 Kč
12207.050 Kč138.562 Kč4.115.718 Kč
13200.050 Kč145.562 Kč3.970.156 Kč
14192.694 Kč152.918 Kč3.817.238 Kč
15184.964 Kč160.648 Kč3.656.590 Kč
16176.848 Kč168.764 Kč3.487.826 Kč
17168.321 Kč177.291 Kč3.310.535 Kč
18159.360 Kč186.252 Kč3.124.283 Kč
19149.950 Kč195.662 Kč2.928.621 Kč
20140.062 Kč205.550 Kč2.723.071 Kč
21129.675 Kč215.937 Kč2.507.134 Kč
22118.764 Kč226.848 Kč2.280.286 Kč
23107.299 Kč238.313 Kč2.041.973 Kč
2495.255 Kč250.357 Kč1.791.616 Kč
2582.603 Kč263.009 Kč1.528.607 Kč
2669.314 Kč276.298 Kč1.252.309 Kč
2755.350 Kč290.262 Kč962.047 Kč
2840.682 Kč304.930 Kč657.117 Kč
2925.275 Kč320.337 Kč336.780 Kč
309.084 Kč336.780 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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