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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

23,4 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month26.561 Kč

Mortgage5 Mio. Kč

Monthly payment

Monthly payment
26.561 Kča month
Mortgage
4.981.775 Kč

A bank will want to see a net income of about 59.025 Kč a month, for the payment to be 45 % of it.

Loan to value
76,6 % of the price
The most a bank may lend you: 80 %
Cash on day one
1.535.225 Kč
Interest over 30 years
4.580.064 Kč
Repaid in all
9.561.839 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
1244.431 Kč74.301 Kč4.907.474 Kč
2240.677 Kč78.055 Kč4.829.419 Kč
3236.731 Kč82.001 Kč4.747.418 Kč
4232.590 Kč86.142 Kč4.661.276 Kč
5228.238 Kč90.494 Kč4.570.782 Kč
6223.663 Kč95.069 Kč4.475.713 Kč
7218.860 Kč99.872 Kč4.375.841 Kč
8213.812 Kč104.920 Kč4.270.921 Kč
9208.511 Kč110.221 Kč4.160.700 Kč
10202.939 Kč115.793 Kč4.044.907 Kč
11197.088 Kč121.644 Kč3.923.263 Kč
12190.943 Kč127.789 Kč3.795.474 Kč
13184.485 Kč134.247 Kč3.661.227 Kč
14177.700 Kč141.032 Kč3.520.195 Kč
15170.572 Kč148.160 Kč3.372.035 Kč
16163.085 Kč155.647 Kč3.216.388 Kč
17155.220 Kč163.512 Kč3.052.876 Kč
18146.957 Kč171.775 Kč2.881.101 Kč
19138.277 Kč180.455 Kč2.700.646 Kč
20129.158 Kč189.574 Kč2.511.072 Kč
21119.576 Kč199.156 Kč2.311.916 Kč
22109.514 Kč209.218 Kč2.102.698 Kč
2398.940 Kč219.792 Kč1.882.906 Kč
2487.835 Kč230.897 Kč1.652.009 Kč
2576.166 Kč242.566 Kč1.409.443 Kč
2663.909 Kč254.823 Kč1.154.620 Kč
2751.032 Kč267.700 Kč886.920 Kč
2837.503 Kč281.229 Kč605.691 Kč
2923.291 Kč295.441 Kč310.250 Kč
308.361 Kč310.250 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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