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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

31,4 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month23.790 Kč

Mortgage4,5 Mio. Kč

Monthly payment

Monthly payment
23.790 Kča month
Mortgage
4.462.000 Kč

A bank will want to see a net income of about 52.867 Kč a month, for the payment to be 45 % of it.

Loan to value
68,6 % of the price
The most a bank may lend you: 80 %
Cash on day one
2.055.000 Kč
Interest over 30 years
4.102.064 Kč
Repaid in all
8.564.064 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
1218.928 Kč66.552 Kč4.395.448 Kč
2215.565 Kč69.915 Kč4.325.533 Kč
3212.033 Kč73.447 Kč4.252.086 Kč
4208.322 Kč77.158 Kč4.174.928 Kč
5204.423 Kč81.057 Kč4.093.871 Kč
6200.326 Kč85.154 Kč4.008.717 Kč
7196.024 Kč89.456 Kč3.919.261 Kč
8191.500 Kč93.980 Kč3.825.281 Kč
9186.753 Kč98.727 Kč3.726.554 Kč
10181.764 Kč103.716 Kč3.622.838 Kč
11176.524 Kč108.956 Kč3.513.882 Kč
12171.016 Kč114.464 Kč3.399.418 Kč
13165.231 Kč120.249 Kč3.279.169 Kč
14159.157 Kč126.323 Kč3.152.846 Kč
15152.772 Kč132.708 Kč3.020.138 Kč
16146.066 Kč139.414 Kč2.880.724 Kč
17139.021 Kč146.459 Kč2.734.265 Kč
18131.619 Kč153.861 Kč2.580.404 Kč
19123.843 Kč161.637 Kč2.418.767 Kč
20115.676 Kč169.804 Kč2.248.963 Kč
21107.095 Kč178.385 Kč2.070.578 Kč
2298.082 Kč187.398 Kč1.883.180 Kč
2388.612 Kč196.868 Kč1.686.312 Kč
2478.662 Kč206.818 Kč1.479.494 Kč
2568.211 Kč217.269 Kč1.262.225 Kč
2657.233 Kč228.247 Kč1.033.978 Kč
2745.698 Kč239.782 Kč794.196 Kč
2833.581 Kč251.899 Kč542.297 Kč
2920.850 Kč264.630 Kč277.667 Kč
307.477 Kč277.667 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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