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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

22,1 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month26.989 Kč

Mortgage5,1 Mio. Kč

Monthly payment

Monthly payment
26.989 Kča month
Mortgage
5.062.000 Kč

A bank will want to see a net income of about 59.976 Kč a month, for the payment to be 45 % of it.

Loan to value
77,9 % of the price
The most a bank may lend you: 80 %
Cash on day one
1.455.000 Kč
Interest over 30 years
4.653.691 Kč
Repaid in all
9.715.691 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
1248.369 Kč75.499 Kč4.986.501 Kč
2244.554 Kč79.314 Kč4.907.187 Kč
3240.544 Kč83.324 Kč4.823.863 Kč
4236.334 Kč87.534 Kč4.736.329 Kč
5231.912 Kč91.956 Kč4.644.373 Kč
6227.264 Kč96.604 Kč4.547.769 Kč
7222.381 Kč101.487 Kč4.446.282 Kč
8217.254 Kč106.614 Kč4.339.668 Kč
9211.866 Kč112.002 Kč4.227.666 Kč
10206.207 Kč117.661 Kč4.110.005 Kč
11200.261 Kč123.607 Kč3.986.398 Kč
12194.013 Kč129.855 Kč3.856.543 Kč
13187.451 Kč136.417 Kč3.720.126 Kč
14180.558 Kč143.310 Kč3.576.816 Kč
15173.316 Kč150.552 Kč3.426.264 Kč
16165.706 Kč158.162 Kč3.268.102 Kč
17157.716 Kč166.152 Kč3.101.950 Kč
18149.319 Kč174.549 Kč2.927.401 Kč
19140.499 Kč183.369 Kč2.744.032 Kč
20131.233 Kč192.635 Kč2.551.397 Kč
21121.496 Kč202.372 Kč2.349.025 Kč
22111.271 Kč212.597 Kč2.136.428 Kč
23100.528 Kč223.340 Kč1.913.088 Kč
2489.244 Kč234.624 Kč1.678.464 Kč
2577.386 Kč246.482 Kč1.431.982 Kč
2664.928 Kč258.940 Kč1.173.042 Kč
2751.845 Kč272.023 Kč901.019 Kč
2838.096 Kč285.772 Kč615.247 Kč
2923.656 Kč300.212 Kč315.035 Kč
308.484 Kč315.035 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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