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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

28,5 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month24.771 Kč

Mortgage4,6 Mio. Kč

Monthly payment

Monthly payment
24.771 Kča month
Mortgage
4.646.000 Kč

A bank will want to see a net income of about 55.047 Kč a month, for the payment to be 45 % of it.

Loan to value
71,5 % of the price
The most a bank may lend you: 80 %
Cash on day one
1.871.000 Kč
Interest over 30 years
4.271.276 Kč
Repaid in all
8.917.276 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
1227.956 Kč69.296 Kč4.576.704 Kč
2224.457 Kč72.795 Kč4.503.909 Kč
3220.777 Kč76.475 Kč4.427.434 Kč
4216.912 Kč80.340 Kč4.347.094 Kč
5212.854 Kč84.398 Kč4.262.696 Kč
6208.587 Kč88.665 Kč4.174.031 Kč
7204.107 Kč93.145 Kč4.080.886 Kč
8199.400 Kč97.852 Kč3.983.034 Kč
9194.456 Kč102.796 Kč3.880.238 Kč
10189.261 Kč107.991 Kč3.772.247 Kč
11183.801 Kč113.451 Kč3.658.796 Kč
12178.071 Kč119.181 Kč3.539.615 Kč
13172.047 Kč125.205 Kč3.414.410 Kč
14165.721 Kč131.531 Kč3.282.879 Kč
15159.074 Kč138.178 Kč3.144.701 Kč
16152.092 Kč145.160 Kč2.999.541 Kč
17144.755 Kč152.497 Kč2.847.044 Kč
18137.049 Kč160.203 Kč2.686.841 Kč
19128.954 Kč168.298 Kč2.518.543 Kč
20120.448 Kč176.804 Kč2.341.739 Kč
21111.515 Kč185.737 Kč2.156.002 Kč
22102.128 Kč195.124 Kč1.960.878 Kč
2392.268 Kč204.984 Kč1.755.894 Kč
2481.909 Kč215.343 Kč1.540.551 Kč
2571.026 Kč226.226 Kč1.314.325 Kč
2659.596 Kč237.656 Kč1.076.669 Kč
2747.584 Kč249.668 Kč827.001 Kč
2834.968 Kč262.284 Kč564.717 Kč
2921.714 Kč275.538 Kč289.179 Kč
307.789 Kč289.179 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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