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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

19 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month28.055 Kč

Mortgage5,3 Mio. Kč

Monthly payment

Monthly payment
28.055 Kča month
Mortgage
5.262.000 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 % of the price
The most a bank may lend you: 80 %
Cash on day one
1.255.000 Kč
Interest over 30 years
4.837.738 Kč
Repaid in all
10.099.738 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
1258.181 Kč78.479 Kč5.183.521 Kč
2254.215 Kč82.445 Kč5.101.076 Kč
3250.050 Kč86.610 Kč5.014.466 Kč
4245.673 Kč90.987 Kč4.923.479 Kč
5241.074 Kč95.586 Kč4.827.893 Kč
6236.245 Kč100.415 Kč4.727.478 Kč
7231.170 Kč105.490 Kč4.621.988 Kč
8225.841 Kč110.819 Kč4.511.169 Kč
9220.239 Kč116.421 Kč4.394.748 Kč
10214.357 Kč122.303 Kč4.272.445 Kč
11208.175 Kč128.485 Kč4.143.960 Kč
12201.683 Kč134.977 Kč4.008.983 Kč
13194.862 Kč141.798 Kč3.867.185 Kč
14187.696 Kč148.964 Kč3.718.221 Kč
15180.169 Kč156.491 Kč3.561.730 Kč
16172.260 Kč164.400 Kč3.397.330 Kč
17163.955 Kč172.705 Kč3.224.625 Kč
18155.225 Kč181.435 Kč3.043.190 Kč
19146.058 Kč190.602 Kč2.852.588 Kč
20136.425 Kč200.235 Kč2.652.353 Kč
21126.304 Kč210.356 Kč2.441.997 Kč
22115.677 Kč220.983 Kč2.221.014 Kč
23104.508 Kč232.152 Kč1.988.862 Kč
2492.777 Kč243.883 Kč1.744.979 Kč
2580.453 Kč256.207 Kč1.488.772 Kč
2667.506 Kč269.154 Kč1.219.618 Kč
2753.905 Kč282.755 Kč936.863 Kč
2839.616 Kč297.044 Kč639.819 Kč
2924.605 Kč312.055 Kč327.764 Kč
308.834 Kč327.764 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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