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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

37,8 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month21.550 Kč

Mortgage4 Mio. Kč

Monthly payment

Monthly payment
21.550 Kča month
Mortgage
4.042.000 Kč

A bank will want to see a net income of about 47.889 Kč a month, for the payment to be 45 % of it.

Loan to value
62,2 % of the price
The most a bank may lend you: 80 %
Cash on day one
2.475.000 Kč
Interest over 30 years
3.716.302 Kč
Repaid in all
7.758.302 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
1198.324 Kč60.276 Kč3.981.724 Kč
2195.275 Kč63.325 Kč3.918.399 Kč
3192.077 Kč66.523 Kč3.851.876 Kč
4188.715 Kč69.885 Kč3.781.991 Kč
5185.183 Kč73.417 Kč3.708.574 Kč
6181.473 Kč77.127 Kč3.631.447 Kč
7177.575 Kč81.025 Kč3.550.422 Kč
8173.481 Kč85.119 Kč3.465.303 Kč
9169.179 Kč89.421 Kč3.375.882 Kč
10164.660 Kč93.940 Kč3.281.942 Kč
11159.914 Kč98.686 Kč3.183.256 Kč
12154.926 Kč103.674 Kč3.079.582 Kč
13149.687 Kč108.913 Kč2.970.669 Kč
14144.183 Kč114.417 Kč2.856.252 Kč
15138.402 Kč120.198 Kč2.736.054 Kč
16132.328 Kč126.272 Kč2.609.782 Kč
17125.947 Kč132.653 Kč2.477.129 Kč
18119.243 Kč139.357 Kč2.337.772 Kč
19112.201 Kč146.399 Kč2.191.373 Kč
20104.804 Kč153.796 Kč2.037.577 Kč
2197.031 Kč161.569 Kč1.876.008 Kč
2288.866 Kč169.734 Kč1.706.274 Kč
2380.288 Kč178.312 Kč1.527.962 Kč
2471.276 Kč187.324 Kč1.340.638 Kč
2561.811 Kč196.789 Kč1.143.849 Kč
2651.869 Kč206.731 Kč937.118 Kč
2741.421 Kč217.179 Kč719.939 Kč
2830.445 Kč228.155 Kč491.784 Kč
2918.915 Kč239.685 Kč252.099 Kč
306.803 Kč252.099 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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