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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

17,5 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month28.577 Kč

Mortgage5,4 Mio. Kč

Monthly payment

Monthly payment
28.577 Kča month
Mortgage
5.360.000 Kč

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

Loan to value
82,5 % of the price
The most a bank may lend you: 80 %
Cash on day one
1.157.000 Kč
Interest over 30 years
4.928.040 Kč
Repaid in all
10.288.040 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
1262.990 Kč79.934 Kč5.280.066 Kč
2258.951 Kč83.973 Kč5.196.093 Kč
3254.706 Kč88.218 Kč5.107.875 Kč
4250.248 Kč92.676 Kč5.015.199 Kč
5245.565 Kč97.359 Kč4.917.840 Kč
6240.646 Kč102.278 Kč4.815.562 Kč
7235.478 Kč107.446 Kč4.708.116 Kč
8230.048 Kč112.876 Kč4.595.240 Kč
9224.343 Kč118.581 Kč4.476.659 Kč
10218.352 Kč124.572 Kč4.352.087 Kč
11212.056 Kč130.868 Kč4.221.219 Kč
12205.444 Kč137.480 Kč4.083.739 Kč
13198.493 Kč144.431 Kč3.939.308 Kč
14191.196 Kč151.728 Kč3.787.580 Kč
15183.529 Kč159.395 Kč3.628.185 Kč
16175.474 Kč167.450 Kč3.460.735 Kč
17167.013 Kč175.911 Kč3.284.824 Kč
18158.124 Kč184.800 Kč3.100.024 Kč
19148.786 Kč194.138 Kč2.905.886 Kč
20138.975 Kč203.949 Kč2.701.937 Kč
21128.669 Kč214.255 Kč2.487.682 Kč
22117.839 Kč225.085 Kč2.262.597 Kč
23106.466 Kč236.458 Kč2.026.139 Kč
2494.518 Kč248.406 Kč1.777.733 Kč
2581.965 Kč260.959 Kč1.516.774 Kč
2668.777 Kč274.147 Kč1.242.627 Kč
2754.925 Kč287.999 Kč954.628 Kč
2840.370 Kč302.554 Kč652.074 Kč
2925.078 Kč317.846 Kč334.228 Kč
309.016 Kč334.228 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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