Zum Inhalt springen

Free tool

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

23,9 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month26.368 Kč

Mortgage4,9 Mio. Kč

Monthly payment

Monthly payment
26.368 Kča month
Mortgage
4.945.609 Kč

A bank will want to see a net income of about 58.596 Kč a month, for the payment to be 45 % of it.

Loan to value
76,1 % of the price
The most a bank may lend you: 80 %
Cash on day one
1.571.391 Kč
Interest over 30 years
4.546.912 Kč
Repaid in all
9.492.521 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
1242.658 Kč73.758 Kč4.871.851 Kč
2238.932 Kč77.484 Kč4.794.367 Kč
3235.015 Kč81.401 Kč4.712.966 Kč
4230.901 Kč85.515 Kč4.627.451 Kč
5226.580 Kč89.836 Kč4.537.615 Kč
6222.039 Kč94.377 Kč4.443.238 Kč
7217.272 Kč99.144 Kč4.344.094 Kč
8212.261 Kč104.155 Kč4.239.939 Kč
9206.998 Kč109.418 Kč4.130.521 Kč
10201.468 Kč114.948 Kč4.015.573 Kč
11195.660 Kč120.756 Kč3.894.817 Kč
12189.556 Kč126.860 Kč3.767.957 Kč
13183.148 Kč133.268 Kč3.634.689 Kč
14176.412 Kč140.004 Kč3.494.685 Kč
15169.337 Kč147.079 Kč3.347.606 Kč
16161.904 Kč154.512 Kč3.193.094 Kč
17154.096 Kč162.320 Kč3.030.774 Kč
18145.894 Kč170.522 Kč2.860.252 Kč
19137.278 Kč179.138 Kč2.681.114 Kč
20128.224 Kč188.192 Kč2.492.922 Kč
21118.715 Kč197.701 Kč2.295.221 Kč
22108.723 Kč207.693 Kč2.087.528 Kč
2398.227 Kč218.189 Kč1.869.339 Kč
2487.201 Kč229.215 Kč1.640.124 Kč
2575.619 Kč240.797 Kč1.399.327 Kč
2663.450 Kč252.966 Kč1.146.361 Kč
2750.667 Kč265.749 Kč880.612 Kč
2837.238 Kč279.178 Kč601.434 Kč
2923.131 Kč293.285 Kč308.149 Kč
308.308 Kč308.149 Kč0 Kč

Read the guide to Czech mortgages for foreigners

Reader poll

Do you think you'll ever be able to buy a home in Prague?

Anonymous, one answer per browser. We use the answers to learn who reads Bytky.

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.

Erfahre, was eine Wohnung wert ist, bevor du anrufst.

Kostenlos für alle auf Wohnungssuche. Ohne Installation und ohne Konto loslegen.