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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

28 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month24.953 Kč

Mortgage4,7 Mio. Kč

Monthly payment

Monthly payment
24.953 Kča month
Mortgage
4.680.200 Kč

A bank will want to see a net income of about 55.452 Kč a month, for the payment to be 45 % of it.

Loan to value
72 % of the price
The most a bank may lend you: 80 %
Cash on day one
1.836.800 Kč
Interest over 30 years
4.302.861 Kč
Repaid in all
8.983.061 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
1229.636 Kč69.800 Kč4.610.400 Kč
2226.107 Kč73.329 Kč4.537.071 Kč
3222.404 Kč77.032 Kč4.460.039 Kč
4218.509 Kč80.927 Kč4.379.112 Kč
5214.420 Kč85.016 Kč4.294.096 Kč
6210.122 Kč89.314 Kč4.204.782 Kč
7205.611 Kč93.825 Kč4.110.957 Kč
8200.868 Kč98.568 Kč4.012.389 Kč
9195.890 Kč103.546 Kč3.908.843 Kč
10190.656 Kč108.780 Kč3.800.063 Kč
11185.158 Kč114.278 Kč3.685.785 Kč
12179.383 Kč120.053 Kč3.565.732 Kč
13173.319 Kč126.117 Kč3.439.615 Kč
14166.944 Kč132.492 Kč3.307.123 Kč
15160.248 Kč139.188 Kč3.167.935 Kč
16153.215 Kč146.221 Kč3.021.714 Kč
17145.825 Kč153.611 Kč2.868.103 Kč
18138.063 Kč161.373 Kč2.706.730 Kč
19129.909 Kč169.527 Kč2.537.203 Kč
20121.341 Kč178.095 Kč2.359.108 Kč
21112.341 Kč187.095 Kč2.172.013 Kč
22102.885 Kč196.551 Kč1.975.462 Kč
2392.956 Kč206.480 Kč1.768.982 Kč
2482.521 Kč216.915 Kč1.552.067 Kč
2571.558 Kč227.878 Kč1.324.189 Kč
2660.043 Kč239.393 Kč1.084.796 Kč
2747.946 Kč251.490 Kč833.306 Kč
2835.238 Kč264.198 Kč569.108 Kč
2921.886 Kč277.550 Kč291.558 Kč
307.859 Kč291.558 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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