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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

20 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month27.724 Kč

Mortgage5,2 Mio. Kč

Monthly payment

Monthly payment
27.724 Kča month
Mortgage
5.200.000 Kč

A bank will want to see a net income of about 61.609 Kč a month, for the payment to be 45 % of it.

Loan to value
80 % of the price
The most a bank may lend you: 80 %
Cash on day one
1.317.000 Kč
Interest over 30 years
4.780.956 Kč
Repaid in all
9.980.956 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
1255.142 Kč77.546 Kč5.122.454 Kč
2251.221 Kč81.467 Kč5.040.987 Kč
3247.105 Kč85.583 Kč4.955.404 Kč
4242.780 Kč89.908 Kč4.865.496 Kč
5238.237 Kč94.451 Kč4.771.045 Kč
6233.464 Kč99.224 Kč4.671.821 Kč
7228.448 Kč104.240 Kč4.567.581 Kč
8223.181 Kč109.507 Kč4.458.074 Kč
9217.646 Kč115.042 Kč4.343.032 Kč
10211.835 Kč120.853 Kč4.222.179 Kč
11205.728 Kč126.960 Kč4.095.219 Kč
12199.312 Kč133.376 Kč3.961.843 Kč
13192.572 Kč140.116 Kč3.821.727 Kč
14185.490 Kč147.198 Kč3.674.529 Kč
15178.051 Kč154.637 Kč3.519.892 Kč
16170.237 Kč162.451 Kč3.357.441 Kč
17162.028 Kč170.660 Kč3.186.781 Kč
18153.404 Kč179.284 Kč3.007.497 Kč
19144.344 Kč188.344 Kč2.819.153 Kč
20134.826 Kč197.862 Kč2.621.291 Kč
21124.826 Kč207.862 Kč2.413.429 Kč
22114.323 Kč218.365 Kč2.195.064 Kč
23103.288 Kč229.400 Kč1.965.664 Kč
2491.697 Kč240.991 Kč1.724.673 Kč
2579.518 Kč253.170 Kč1.471.503 Kč
2666.725 Kč265.963 Kč1.205.540 Kč
2753.284 Kč279.404 Kč926.136 Kč
2839.164 Kč293.524 Kč632.612 Kč
2924.331 Kč308.357 Kč324.255 Kč
308.749 Kč324.255 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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