Zum Inhalt springen

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?

Who’s buying
The home

38,4 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month21.337 Kč

Mortgage4 Mio. Kč

Monthly payment

Monthly payment
21.337 Kča month
Mortgage
4.002.000 Kč

A bank will want to see a net income of about 47.416 Kč a month, for the payment to be 45 % of it.

Loan to value
61,6 % of the price
The most a bank may lend you: 80 %
Cash on day one
2.515.000 Kč
Interest over 30 years
3.679.429 Kč
Repaid in all
7.681.429 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
1196.360 Kč59.684 Kč3.942.316 Kč
2193.344 Kč62.700 Kč3.879.616 Kč
3190.176 Kč65.868 Kč3.813.748 Kč
4186.847 Kč69.197 Kč3.744.551 Kč
5183.349 Kč72.695 Kč3.671.856 Kč
6179.676 Kč76.368 Kč3.595.488 Kč
7175.816 Kč80.228 Kč3.515.260 Kč
8171.764 Kč84.280 Kč3.430.980 Kč
9167.506 Kč88.538 Kč3.342.442 Kč
10163.030 Kč93.014 Kč3.249.428 Kč
11158.330 Kč97.714 Kč3.151.714 Kč
12153.393 Kč102.651 Kč3.049.063 Kč
13148.204 Kč107.840 Kč2.941.223 Kč
14142.755 Kč113.289 Kč2.827.934 Kč
15137.029 Kč119.015 Kč2.708.919 Kč
16131.016 Kč125.028 Kč2.583.891 Kč
17124.697 Kč131.347 Kč2.452.544 Kč
18118.060 Kč137.984 Kč2.314.560 Kč
19111.087 Kč144.957 Kč2.169.603 Kč
20103.761 Kč152.283 Kč2.017.320 Kč
2196.065 Kč159.979 Kč1.857.341 Kč
2287.981 Kč168.063 Kč1.689.278 Kč
2379.489 Kč176.555 Kč1.512.723 Kč
2470.567 Kč185.477 Kč1.327.246 Kč
2561.193 Kč194.851 Kč1.132.395 Kč
2651.348 Kč204.696 Kč927.699 Kč
2741.002 Kč215.042 Kč712.657 Kč
2830.138 Kč225.906 Kč486.751 Kč
2918.720 Kč237.324 Kč249.427 Kč
306.726 Kč249.427 Kč0 Kč

Read the guide to Czech mortgages for foreigners

Reader poll

Do you think you'll ever be able to buy a home in Prague?

Anonymous, one answer per browser. We use the answers to learn who reads Bytky.

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.

Erfahre, was eine Wohnung wert ist, bevor du anrufst.

Kostenlos für alle auf Wohnungssuche. Ohne Installation und ohne Konto loslegen.