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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

26,2 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month25.592 Kč

Mortgage4,8 Mio. Kč

Monthly payment

Monthly payment
25.592 Kča month
Mortgage
4.800.000 Kč

A bank will want to see a net income of about 56.872 Kč a month, for the payment to be 45 % of it.

Loan to value
73,8 % of the price
The most a bank may lend you: 80 %
Cash on day one
1.717.000 Kč
Interest over 30 years
4.412.882 Kč
Repaid in all
9.212.882 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
1235.512 Kč71.592 Kč4.728.408 Kč
2231.896 Kč75.208 Kč4.653.200 Kč
3228.096 Kč79.008 Kč4.574.192 Kč
4224.104 Kč83.000 Kč4.491.192 Kč
5219.906 Kč87.198 Kč4.403.994 Kč
6215.502 Kč91.602 Kč4.312.392 Kč
7210.872 Kč96.232 Kč4.216.160 Kč
8206.010 Kč101.094 Kč4.115.066 Kč
9200.900 Kč106.204 Kč4.008.862 Kč
10195.534 Kč111.570 Kč3.897.292 Kč
11189.896 Kč117.208 Kč3.780.084 Kč
12183.974 Kč123.130 Kč3.656.954 Kč
13177.751 Kč129.353 Kč3.527.601 Kč
14171.215 Kč135.889 Kč3.391.712 Kč
15164.348 Kč142.756 Kč3.248.956 Kč
16157.133 Kč149.971 Kč3.098.985 Kč
17149.554 Kč157.550 Kč2.941.435 Kč
18141.593 Kč165.511 Kč2.775.924 Kč
19133.230 Kč173.874 Kč2.602.050 Kč
20124.443 Kč182.661 Kč2.419.389 Kč
21115.212 Kč191.892 Kč2.227.497 Kč
22105.514 Kč201.590 Kč2.025.907 Kč
2395.327 Kč211.777 Kč1.814.130 Kč
2484.626 Kč222.478 Kč1.591.652 Kč
2573.382 Kč233.722 Kč1.357.930 Kč
2661.573 Kč245.531 Kč1.112.399 Kč
2749.163 Kč257.941 Kč854.458 Kč
2836.130 Kč270.974 Kč583.484 Kč
2922.436 Kč284.668 Kč298.816 Kč
308.050 Kč298.816 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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