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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

23,1 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month26.658 Kč

Mortgage5 Mio. Kč

Monthly payment

Monthly payment
26.658 Kča month
Mortgage
5.000.000 Kč

A bank will want to see a net income of about 59.240 Kč a month, for the payment to be 45 % of it.

Loan to value
76,9 % of the price
The most a bank may lend you: 80 %
Cash on day one
1.517.000 Kč
Interest over 30 years
4.596.903 Kč
Repaid in all
9.596.903 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
1245.327 Kč74.569 Kč4.925.431 Kč
2241.558 Kč78.338 Kč4.847.093 Kč
3237.601 Kč82.295 Kč4.764.798 Kč
4233.442 Kč86.454 Kč4.678.344 Kč
5229.073 Kč90.823 Kč4.587.521 Kč
6224.483 Kč95.413 Kč4.492.108 Kč
7219.661 Kč100.235 Kč4.391.873 Kč
8214.597 Kč105.299 Kč4.286.574 Kč
9209.273 Kč110.623 Kč4.175.951 Kč
10203.685 Kč116.211 Kč4.059.740 Kč
11197.812 Kč122.084 Kč3.937.656 Kč
12191.641 Kč128.255 Kč3.809.401 Kč
13185.161 Kč134.735 Kč3.674.666 Kč
14178.351 Kč141.545 Kč3.533.121 Kč
15171.199 Kč148.697 Kč3.384.424 Kč
16163.685 Kč156.211 Kč3.228.213 Kč
17155.790 Kč164.106 Kč3.064.107 Kč
18147.498 Kč172.398 Kč2.891.709 Kč
19138.784 Kč181.112 Kč2.710.597 Kč
20129.635 Kč190.261 Kč2.520.336 Kč
21120.018 Kč199.878 Kč2.320.458 Kč
22109.919 Kč209.977 Kč2.110.481 Kč
2399.307 Kč220.589 Kč1.889.892 Kč
2488.158 Kč231.738 Kč1.658.154 Kč
2576.446 Kč243.450 Kč1.414.704 Kč
2664.148 Kč255.748 Kč1.158.956 Kč
2751.223 Kč268.673 Kč890.283 Kč
2837.646 Kč282.250 Kč608.033 Kč
2923.383 Kč296.513 Kč311.520 Kč
308.399 Kč311.520 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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