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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 month28.471 Kč

Mortgage5,3 Mio. Kč

Monthly payment

Monthly payment
28.471 Kča month
Mortgage
5.340.000 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
1.177.000 Kč
Interest over 30 years
4.909.365 Kč
Repaid in all
10.249.365 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
1262.009 Kč79.643 Kč5.260.357 Kč
2257.983 Kč83.669 Kč5.176.688 Kč
3253.756 Kč87.896 Kč5.088.792 Kč
4249.315 Kč92.337 Kč4.996.455 Kč
5244.649 Kč97.003 Kč4.899.452 Kč
6239.745 Kč101.907 Kč4.797.545 Kč
7234.596 Kč107.056 Kč4.690.489 Kč
8229.187 Kč112.465 Kč4.578.024 Kč
9223.504 Kč118.148 Kč4.459.876 Kč
10217.531 Kč124.121 Kč4.335.755 Kč
11211.260 Kč130.392 Kč4.205.363 Kč
12204.671 Kč136.981 Kč4.068.382 Kč
13197.749 Kč143.903 Kč3.924.479 Kč
14190.475 Kč151.177 Kč3.773.302 Kč
15182.837 Kč158.815 Kč3.614.487 Kč
16174.813 Kč166.839 Kč3.447.648 Kč
17166.380 Kč175.272 Kč3.272.376 Kč
18157.524 Kč184.128 Kč3.088.248 Kč
19148.218 Kč193.434 Kč2.894.814 Kč
20138.444 Kč203.208 Kč2.691.606 Kč
21128.174 Kč213.478 Kč2.478.128 Kč
22117.386 Kč224.266 Kč2.253.862 Kč
23106.050 Kč235.602 Kč2.018.260 Kč
2494.147 Kč247.505 Kč1.770.755 Kč
2581.641 Kč260.011 Kč1.510.744 Kč
2668.502 Kč273.150 Kč1.237.594 Kč
2754.698 Kč286.954 Kč950.640 Kč
2840.197 Kč301.455 Kč649.185 Kč
2924.965 Kč316.687 Kč332.498 Kč
308.959 Kč332.498 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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