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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

17,8 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month28.481 Kč

Mortgage5,3 Mio. Kč

Monthly payment

Monthly payment
28.481 Kča month
Mortgage
5.342.000 Kč

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

Loan to value
82,2 % of the price
The most a bank may lend you: 80 %
Cash on day one
1.175.000 Kč
Interest over 30 years
4.911.523 Kč
Repaid in all
10.253.523 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
1262.108 Kč79.664 Kč5.262.336 Kč
2258.079 Kč83.693 Kč5.178.643 Kč
3253.852 Kč87.920 Kč5.090.723 Kč
4249.409 Kč92.363 Kč4.998.360 Kč
5244.742 Kč97.030 Kč4.901.330 Kč
6239.839 Kč101.933 Kč4.799.397 Kč
7234.688 Kč107.084 Kč4.692.313 Kč
8229.275 Kč112.497 Kč4.579.816 Kč
9223.592 Kč118.180 Kč4.461.636 Kč
10217.619 Kč124.153 Kč4.337.483 Kč
11211.344 Kč130.428 Kč4.207.055 Kč
12204.753 Kč137.019 Kč4.070.036 Kč
13197.830 Kč143.942 Kč3.926.094 Kč
14190.556 Kč151.216 Kč3.774.878 Kč
15182.913 Kč158.859 Kč3.616.019 Kč
16174.887 Kč166.885 Kč3.449.134 Kč
17166.454 Kč175.318 Kč3.273.816 Kč
18157.593 Kč184.179 Kč3.089.637 Kč
19148.286 Kč193.486 Kč2.896.151 Kč
20138.507 Kč203.265 Kč2.692.886 Kč
21128.238 Kč213.534 Kč2.479.352 Kč
22117.446 Kč224.326 Kč2.255.026 Kč
23106.110 Kč235.662 Kč2.019.364 Kč
2494.201 Kč247.571 Kč1.771.793 Kč
2581.690 Kč260.082 Kč1.511.711 Kč
2668.548 Kč273.224 Kč1.238.487 Kč
2754.740 Kč287.032 Kč951.455 Kč
2840.236 Kč301.536 Kč649.919 Kč
2924.998 Kč316.774 Kč333.145 Kč
308.990 Kč333.145 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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