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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

18 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month28.423 Kč

Mortgage5,3 Mio. Kč

Monthly payment

Monthly payment
28.423 Kča month
Mortgage
5.331.000 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 % of the price
The most a bank may lend you: 80 %
Cash on day one
1.186.000 Kč
Interest over 30 years
4.901.114 Kč
Repaid in all
10.232.114 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
1261.569 Kč79.507 Kč5.251.493 Kč
2257.549 Kč83.527 Kč5.167.966 Kč
3253.327 Kč87.749 Kč5.080.217 Kč
4248.895 Kč92.181 Kč4.988.036 Kč
5244.234 Kč96.842 Kč4.891.194 Kč
6239.342 Kč101.734 Kč4.789.460 Kč
7234.202 Kč106.874 Kč4.682.586 Kč
8228.800 Kč112.276 Kč4.570.310 Kč
9223.125 Kč117.951 Kč4.452.359 Kč
10217.167 Kč123.909 Kč4.328.450 Kč
11210.903 Kč130.173 Kč4.198.277 Kč
12204.327 Kč136.749 Kč4.061.528 Kč
13197.416 Kč143.660 Kč3.917.868 Kč
14190.156 Kč150.920 Kč3.766.948 Kč
15182.529 Kč158.547 Kč3.608.401 Kč
16174.519 Kč166.557 Kč3.441.844 Kč
17166.100 Kč174.976 Kč3.266.868 Kč
18157.260 Kč183.816 Kč3.083.052 Kč
19147.968 Kč193.108 Kč2.889.944 Kč
20138.212 Kč202.864 Kč2.687.080 Kč
21127.961 Kč213.115 Kč2.473.965 Kč
22117.188 Kč223.888 Kč2.250.077 Kč
23105.876 Kč235.200 Kč2.014.877 Kč
2493.990 Kč247.086 Kč1.767.791 Kč
2581.504 Kč259.572 Kč1.508.219 Kč
2668.387 Kč272.689 Kč1.235.530 Kč
2754.607 Kč286.469 Kč949.061 Kč
2840.132 Kč300.944 Kč648.117 Kč
2924.924 Kč316.152 Kč331.965 Kč
308.945 Kč331.965 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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