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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

32,3 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month23.459 Kč

Mortgage4,4 Mio. Kč

Monthly payment

Monthly payment
23.459 Kča month
Mortgage
4.400.000 Kč

A bank will want to see a net income of about 52.132 Kč a month, for the payment to be 45 % of it.

Loan to value
67,7 % of the price
The most a bank may lend you: 80 %
Cash on day one
2.117.000 Kč
Interest over 30 years
4.045.279 Kč
Repaid in all
8.445.279 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
1215.886 Kč65.622 Kč4.334.378 Kč
2212.573 Kč68.935 Kč4.265.443 Kč
3209.087 Kč72.421 Kč4.193.022 Kč
4205.428 Kč76.080 Kč4.116.942 Kč
5201.583 Kč79.925 Kč4.037.017 Kč
6197.544 Kč83.964 Kč3.953.053 Kč
7193.300 Kč88.208 Kč3.864.845 Kč
8188.844 Kč92.664 Kč3.772.181 Kč
9184.159 Kč97.349 Kč3.674.832 Kč
10179.242 Kč102.266 Kč3.572.566 Kč
11174.074 Kč107.434 Kč3.465.132 Kč
12168.645 Kč112.863 Kč3.352.269 Kč
13162.939 Kč118.569 Kč3.233.700 Kč
14156.949 Kč124.559 Kč3.109.141 Kč
15150.654 Kč130.854 Kč2.978.287 Kč
16144.043 Kč137.465 Kč2.840.822 Kč
17137.097 Kč144.411 Kč2.696.411 Kč
18129.798 Kč151.710 Kč2.544.701 Kč
19122.134 Kč159.374 Kč2.385.327 Kč
20114.079 Kč167.429 Kč2.217.898 Kč
21105.617 Kč175.891 Kč2.042.007 Kč
2296.728 Kč184.780 Kč1.857.227 Kč
2387.390 Kč194.118 Kč1.663.109 Kč
2477.581 Kč203.927 Kč1.459.182 Kč
2567.277 Kč214.231 Kč1.244.951 Kč
2656.451 Kč225.057 Kč1.019.894 Kč
2745.078 Kč236.430 Kč783.464 Kč
2833.128 Kč248.380 Kč535.084 Kč
2920.578 Kč260.930 Kč274.154 Kč
307.393 Kč274.154 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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