Free tool
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?
A month24.003 Kč
Mortgage4,5 Mio. Kč
Monthly payment
- Monthly payment
- 24.003 Kča month
- Mortgage
- 4.502.000 Kč
A bank will want to see a net income of about 53.340 Kč a month, for the payment to be 45 % of it.
- Loan to value
- 69,3 % of the price
- The most a bank may lend you: 80 %
- Cash on day one
- 2.015.000 Kč
- Interest over 30 years
- 4.139.003 Kč
- Repaid in all
- 8.641.003 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.
Kein Gebiet mit diesem Namen.
Counting the flats…
What you still owe, year by year
Each year’s payments
| Year | Interest | Repaid | Still owed |
|---|---|---|---|
| 1 | 220.892 Kč | 67.144 Kč | 4.434.856 Kč |
| 2 | 217.499 Kč | 70.537 Kč | 4.364.319 Kč |
| 3 | 213.934 Kč | 74.102 Kč | 4.290.217 Kč |
| 4 | 210.189 Kč | 77.847 Kč | 4.212.370 Kč |
| 5 | 206.257 Kč | 81.779 Kč | 4.130.591 Kč |
| 6 | 202.123 Kč | 85.913 Kč | 4.044.678 Kč |
| 7 | 197.782 Kč | 90.254 Kč | 3.954.424 Kč |
| 8 | 193.220 Kč | 94.816 Kč | 3.859.608 Kč |
| 9 | 188.429 Kč | 99.607 Kč | 3.760.001 Kč |
| 10 | 183.397 Kč | 104.639 Kč | 3.655.362 Kč |
| 11 | 178.109 Kč | 109.927 Kč | 3.545.435 Kč |
| 12 | 172.554 Kč | 115.482 Kč | 3.429.953 Kč |
| 13 | 166.716 Kč | 121.320 Kč | 3.308.633 Kč |
| 14 | 160.588 Kč | 127.448 Kč | 3.181.185 Kč |
| 15 | 154.147 Kč | 133.889 Kč | 3.047.296 Kč |
| 16 | 147.381 Kč | 140.655 Kč | 2.906.641 Kč |
| 17 | 140.270 Kč | 147.766 Kč | 2.758.875 Kč |
| 18 | 132.805 Kč | 155.231 Kč | 2.603.644 Kč |
| 19 | 124.961 Kč | 163.075 Kč | 2.440.569 Kč |
| 20 | 116.721 Kč | 171.315 Kč | 2.269.254 Kč |
| 21 | 108.063 Kč | 179.973 Kč | 2.089.281 Kč |
| 22 | 98.969 Kč | 189.067 Kč | 1.900.214 Kč |
| 23 | 89.414 Kč | 198.622 Kč | 1.701.592 Kč |
| 24 | 79.377 Kč | 208.659 Kč | 1.492.933 Kč |
| 25 | 68.830 Kč | 219.206 Kč | 1.273.727 Kč |
| 26 | 57.755 Kč | 230.281 Kč | 1.043.446 Kč |
| 27 | 46.119 Kč | 241.917 Kč | 801.529 Kč |
| 28 | 33.894 Kč | 254.142 Kč | 547.387 Kč |
| 29 | 21.050 Kč | 266.986 Kč | 280.401 Kč |
| 30 | 7.558 Kč | 280.401 Kč | 0 Kč |
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.
ČNB-Grenze: eigenes Zuhause80 %Geprüft
Verbindliche LTV-Obergrenze der ČNB für Hypotheken: 80 % (90 % für Antragsteller unter 36, die ihr eigenes Zuhause kaufen). Am 4. Juni 2026 unverändert gelassen. Geprüft am 14. Oktober 2026
ČNB-Empfehlung: Wohnung zum Vermieten70 %Geprüft
Empfehlung der ČNB seit dem 1. April 2026 für eine Hypothek auf eine dritte oder weitere Wohnung oder auf eine zum Vermieten gekaufte: LTV höchstens 70 %. Empfohlen, nicht verbindlich; am 4. Juni 2026 unverändert gelassen. Geprüft am 14. Oktober 2026
ČNB-Empfehlung: Verhältnis von Schulden zu Einkommen× 7Geprüft
Empfehlung der ČNB seit dem 1. April 2026 für eine solche Hypothek: Gesamtverschuldung höchstens das 7-Fache des jährlichen Nettoeinkommens. Geprüft am 14. Oktober 2026
Most of your income for payments45 %Annahme
The ČNB capped loan payments at this share of net income (50 % for applicants under 36) from April 2022 until it lifted the cap on 1 July 2023. Banks now test affordability their own way, and some are stricter. Geprüft am 19. Oktober 2026
Hypothekenzinssatz4,94 %Annahme
Durchschnittlicher Zinssatz laut ČNB für neue Wohnungsbaukredite an private Haushalte, August 2026 (4,94 %; nur Hypotheken 4,86 %). Das Angebot deiner Bank wird abweichen. Geprüft am 14. Oktober 2026
Laufzeit der Hypothek30 JahreAnnahme
30 Jahre, die längste Laufzeit, die die meisten tschechischen Banken anbieten. Geprüft am 14. Oktober 2026
Katastergebühr2.000 Kč, einmaligGeprüft
Verwaltungsgebührengesetz (634/2004 Slg.), Position 120, laut Landesvermessungsamt (ČÚZK). Geprüft am 13. Oktober 2026
Anwalt und Treuhand15.000 Kč, einmaligAnnahme
Ein typisches Anwaltshonorar für den Kaufvertrag und die treuhänderische Verwahrung des Preises. Geprüft am 13. Oktober 2026
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.
Erfahre, was eine Wohnung wert ist, bevor du anrufst.
Kostenlos für alle auf Wohnungssuche. Ohne Installation und ohne Konto loslegen.