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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

35,6 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month22.329 Kč

Mortgage4,2 Mio. Kč

Monthly payment

Monthly payment
22.329 Kča month
Mortgage
4.188.000 Kč

A bank will want to see a net income of about 49.620 Kč a month, for the payment to be 45 % of it.

Loan to value
64,4 % of the price
The most a bank may lend you: 80 %
Cash on day one
2.329.000 Kč
Interest over 30 years
3.850.242 Kč
Repaid in all
8.038.242 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
1205.487 Kč62.461 Kč4.125.539 Kč
2202.328 Kč65.620 Kč4.059.919 Kč
3199.013 Kč68.935 Kč3.990.984 Kč
4195.528 Kč72.420 Kč3.918.564 Kč
5191.871 Kč76.077 Kč3.842.487 Kč
6188.024 Kč79.924 Kč3.762.563 Kč
7183.987 Kč83.961 Kč3.678.602 Kč
8179.742 Kč88.206 Kč3.590.396 Kč
9175.285 Kč92.663 Kč3.497.733 Kč
10170.603 Kč97.345 Kč3.400.388 Kč
11165.683 Kč102.265 Kč3.298.123 Kč
12160.517 Kč107.431 Kč3.190.692 Kč
13155.088 Kč112.860 Kč3.077.832 Kč
14149.385 Kč118.563 Kč2.959.269 Kč
15143.392 Kč124.556 Kč2.834.713 Kč
16137.100 Kč130.848 Kč2.703.865 Kč
17130.486 Kč137.462 Kč2.566.403 Kč
18123.540 Kč144.408 Kč2.421.995 Kč
19116.243 Kč151.705 Kč2.270.290 Kč
20108.577 Kč159.371 Kč2.110.919 Kč
21100.522 Kč167.426 Kč1.943.493 Kč
2292.062 Kč175.886 Kč1.767.607 Kč
2383.173 Kč184.775 Kč1.582.832 Kč
2473.837 Kč194.111 Kč1.388.721 Kč
2564.027 Kč203.921 Kč1.184.800 Kč
2653.721 Kč214.227 Kč970.573 Kč
2742.897 Kč225.051 Kč745.522 Kč
2831.523 Kč236.425 Kč509.097 Kč
2919.576 Kč248.372 Kč260.725 Kč
307.025 Kč260.725 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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