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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

30,2 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month24.207 Kč

Mortgage4,5 Mio. Kč

Monthly payment

Monthly payment
24.207 Kča month
Mortgage
4.540.200 Kč

A bank will want to see a net income of about 53.794 Kč a month, for the payment to be 45 % of it.

Loan to value
69,8 % of the price
The most a bank may lend you: 80 %
Cash on day one
1.976.800 Kč
Interest over 30 years
4.173.972 Kč
Repaid in all
8.714.172 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
1222.766 Kč67.718 Kč4.472.482 Kč
2219.345 Kč71.139 Kč4.401.343 Kč
3215.750 Kč74.734 Kč4.326.609 Kč
4211.973 Kč78.511 Kč4.248.098 Kč
5208.006 Kč82.478 Kč4.165.620 Kč
6203.837 Kč86.647 Kč4.078.973 Kč
7199.459 Kč91.025 Kč3.987.948 Kč
8194.859 Kč95.625 Kč3.892.323 Kč
9190.027 Kč100.457 Kč3.791.866 Kč
10184.948 Kč105.536 Kč3.686.330 Kč
11179.617 Kč110.867 Kč3.575.463 Kč
12174.014 Kč116.470 Kč3.458.993 Kč
13168.129 Kč122.355 Kč3.336.638 Kč
14161.946 Kč128.538 Kč3.208.100 Kč
15155.448 Kč135.036 Kč3.073.064 Kč
16148.626 Kč141.858 Kč2.931.206 Kč
17141.460 Kč149.024 Kč2.782.182 Kč
18133.926 Kč156.558 Kč2.625.624 Kč
19126.015 Kč164.469 Kč2.461.155 Kč
20117.705 Kč172.779 Kč2.288.376 Kč
21108.971 Kč181.513 Kč2.106.863 Kč
2299.800 Kč190.684 Kč1.916.179 Kč
2390.165 Kč200.319 Kč1.715.860 Kč
2480.042 Kč210.442 Kč1.505.418 Kč
2569.408 Kč221.076 Kč1.284.342 Kč
2658.236 Kč232.248 Kč1.052.094 Kč
2746.498 Kč243.986 Kč808.108 Kč
2834.169 Kč256.315 Kč551.793 Kč
2921.218 Kč269.266 Kč282.527 Kč
307.609 Kč282.527 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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