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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

30,6 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month24.046 Kč

Mortgage4,5 Mio. Kč

Monthly payment

Monthly payment
24.046 Kča month
Mortgage
4.510.000 Kč

A bank will want to see a net income of about 53.436 Kč a month, for the payment to be 45 % of it.

Loan to value
69,4 % of the price
The most a bank may lend you: 80 %
Cash on day one
2.007.000 Kč
Interest over 30 years
4.146.181 Kč
Repaid in all
8.656.181 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
1221.283 Kč67.269 Kč4.442.731 Kč
2217.886 Kč70.666 Kč4.372.065 Kč
3214.313 Kč74.239 Kč4.297.826 Kč
4210.561 Kč77.991 Kč4.219.835 Kč
5206.622 Kč81.930 Kč4.137.905 Kč
6202.480 Kč86.072 Kč4.051.833 Kč
7198.132 Kč90.420 Kč3.961.413 Kč
8193.562 Kč94.990 Kč3.866.423 Kč
9188.763 Kč99.789 Kč3.766.634 Kč
10183.720 Kč104.832 Kč3.661.802 Kč
11178.421 Kč110.131 Kč3.551.671 Kč
12172.855 Kč115.697 Kč3.435.974 Kč
13167.011 Kč121.541 Kč3.314.433 Kč
14160.869 Kč127.683 Kč3.186.750 Kč
15154.417 Kč134.135 Kč3.052.615 Kč
16147.636 Kč140.916 Kč2.911.699 Kč
17140.517 Kč148.035 Kč2.763.664 Kč
18133.035 Kč155.517 Kč2.608.147 Kč
19125.178 Kč163.374 Kč2.444.773 Kč
20116.920 Kč171.632 Kč2.273.141 Kč
21108.248 Kč180.304 Kč2.092.837 Kč
2299.134 Kč189.418 Kč1.903.419 Kč
2389.563 Kč198.989 Kč1.704.430 Kč
2479.507 Kč209.045 Kč1.495.385 Kč
2568.944 Kč219.608 Kč1.275.777 Kč
2657.848 Kč230.704 Kč1.045.073 Kč
2746.187 Kč242.365 Kč802.708 Kč
2833.939 Kč254.613 Kč548.095 Kč
2921.075 Kč267.477 Kč280.618 Kč
307.555 Kč280.618 Kč0 Kč

Read the guide to Czech mortgages for foreigners

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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