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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

18,2 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month28.364 Kč

Mortgage5,3 Mio. Kč

Monthly payment

Monthly payment
28.364 Kča month
Mortgage
5.320.000 Kč

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

Loan to value
81,8 % of the price
The most a bank may lend you: 80 %
Cash on day one
1.197.000 Kč
Interest over 30 years
4.891.177 Kč
Repaid in all
10.211.177 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
1261.029 Kč79.339 Kč5.240.661 Kč
2257.018 Kč83.350 Kč5.157.311 Kč
3252.807 Kč87.561 Kč5.069.750 Kč
4248.381 Kč91.987 Kč4.977.763 Kč
5243.732 Kč96.636 Kč4.881.127 Kč
6238.850 Kč101.518 Kč4.779.609 Kč
7233.719 Kč106.649 Kč4.672.960 Kč
8228.330 Kč112.038 Kč4.560.922 Kč
9222.670 Kč117.698 Kč4.443.224 Kč
10216.720 Kč123.648 Kč4.319.576 Kč
11210.473 Kč129.895 Kč4.189.681 Kč
12203.909 Kč136.459 Kč4.053.222 Kč
13197.012 Kč143.356 Kč3.909.866 Kč
14189.767 Kč150.601 Kč3.759.265 Kč
15182.158 Kč158.210 Kč3.601.055 Kč
16174.161 Kč166.207 Kč3.434.848 Kč
17165.764 Kč174.604 Kč3.260.244 Kč
18156.940 Kč183.428 Kč3.076.816 Kč
19147.671 Kč192.697 Kč2.884.119 Kč
20137.933 Kč202.435 Kč2.681.684 Kč
21127.704 Kč212.664 Kč2.469.020 Kč
22116.956 Kč223.412 Kč2.245.608 Kč
23105.668 Kč234.700 Kč2.010.908 Kč
2493.806 Kč246.562 Kč1.764.346 Kč
2581.346 Kč259.022 Kč1.505.324 Kč
2668.257 Kč272.111 Kč1.233.213 Kč
2754.507 Kč285.861 Kč947.352 Kč
2840.060 Kč300.308 Kč647.044 Kč
2924.886 Kč315.482 Kč331.562 Kč
308.943 Kč331.562 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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