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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 month28.472 Kč

Mortgage5,3 Mio. Kč

Monthly payment

Monthly payment
28.472 Kča month
Mortgage
5.340.200 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
1.176.800 Kč
Interest over 30 years
4.909.593 Kč
Repaid in all
10.249.793 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
1262.018 Kč79.646 Kč5.260.554 Kč
2257.993 Kč83.671 Kč5.176.883 Kč
3253.766 Kč87.898 Kč5.088.985 Kč
4249.324 Kč92.340 Kč4.996.645 Kč
5244.658 Kč97.006 Kč4.899.639 Kč
6239.755 Kč101.909 Kč4.797.730 Kč
7234.606 Kč107.058 Kč4.690.672 Kč
8229.195 Kč112.469 Kč4.578.203 Kč
9223.511 Kč118.153 Kč4.460.050 Kč
10217.542 Kč124.122 Kč4.335.928 Kč
11211.270 Kč130.394 Kč4.205.534 Kč
12204.679 Kč136.985 Kč4.068.549 Kč
13197.757 Kč143.907 Kč3.924.642 Kč
14190.485 Kč151.179 Kč3.773.463 Kč
15182.847 Kč158.817 Kč3.614.646 Kč
16174.818 Kč166.846 Kč3.447.800 Kč
17166.388 Kč175.276 Kč3.272.524 Kč
18157.531 Kč184.133 Kč3.088.391 Kč
19148.225 Kč193.439 Kč2.894.952 Kč
20138.449 Kč203.215 Kč2.691.737 Kč
21128.182 Kč213.482 Kč2.478.255 Kč
22117.393 Kč224.271 Kč2.253.984 Kč
23106.062 Kč235.602 Kč2.018.382 Kč
2494.155 Kč247.509 Kč1.770.873 Kč
2581.644 Kč260.020 Kč1.510.853 Kč
2668.506 Kč273.158 Kč1.237.695 Kč
2754.703 Kč286.961 Kč950.734 Kč
2840.201 Kč301.463 Kč649.271 Kč
2924.967 Kč316.697 Kč332.574 Kč
308.963 Kč332.574 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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