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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

20,9 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month27.415 Kč

Mortgage5,1 Mio. Kč

Monthly payment

Monthly payment
27.415 Kča month
Mortgage
5.142.000 Kč

A bank will want to see a net income of about 60.923 Kč a month, for the payment to be 45 % of it.

Loan to value
79,1 % of the price
The most a bank may lend you: 80 %
Cash on day one
1.375.000 Kč
Interest over 30 years
4.727.476 Kč
Repaid in all
9.869.476 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
1252.293 Kč76.687 Kč5.065.313 Kč
2248.418 Kč80.562 Kč4.984.751 Kč
3244.347 Kč84.633 Kč4.900.118 Kč
4240.068 Kč88.912 Kč4.811.206 Kč
5235.577 Kč93.403 Kč4.717.803 Kč
6230.859 Kč98.121 Kč4.619.682 Kč
7225.900 Kč103.080 Kč4.516.602 Kč
8220.690 Kč108.290 Kč4.408.312 Kč
9215.217 Kč113.763 Kč4.294.549 Kč
10209.468 Kč119.512 Kč4.175.037 Kč
11203.429 Kč125.551 Kč4.049.486 Kč
12197.084 Kč131.896 Kč3.917.590 Kč
13190.418 Kč138.562 Kč3.779.028 Kč
14183.418 Kč145.562 Kč3.633.466 Kč
15176.061 Kč152.919 Kč3.480.547 Kč
16168.332 Kč160.648 Kč3.319.899 Kč
17160.215 Kč168.765 Kč3.151.134 Kč
18151.688 Kč177.292 Kč2.973.842 Kč
19142.728 Kč186.252 Kč2.787.590 Kč
20133.317 Kč195.663 Kč2.591.927 Kč
21123.429 Kč205.551 Kč2.386.376 Kč
22113.041 Kč215.939 Kč2.170.437 Kč
23102.131 Kč226.849 Kč1.943.588 Kč
2490.665 Kč238.315 Kč1.705.273 Kč
2578.623 Kč250.357 Kč1.454.916 Kč
2665.971 Kč263.009 Kč1.191.907 Kč
2752.682 Kč276.298 Kč915.609 Kč
2838.717 Kč290.263 Kč625.346 Kč
2924.049 Kč304.931 Kč320.415 Kč
308.641 Kč320.415 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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