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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

39,5 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month20.953 Kč

Mortgage3,9 Mio. Kč

Monthly payment

Monthly payment
20.953 Kča month
Mortgage
3.930.000 Kč

A bank will want to see a net income of about 46.563 Kč a month, for the payment to be 45 % of it.

Loan to value
60,5 % of the price
The most a bank may lend you: 80 %
Cash on day one
2.587.000 Kč
Interest over 30 years
3.613.259 Kč
Repaid in all
7.543.259 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
1192.826 Kč58.610 Kč3.871.390 Kč
2189.865 Kč61.571 Kč3.809.819 Kč
3186.752 Kč64.684 Kč3.745.135 Kč
4183.486 Kč67.950 Kč3.677.185 Kč
5180.052 Kč71.384 Kč3.605.801 Kč
6176.444 Kč74.992 Kč3.530.809 Kč
7172.654 Kč78.782 Kč3.452.027 Kč
8168.673 Kč82.763 Kč3.369.264 Kč
9164.489 Kč86.947 Kč3.282.317 Kč
10160.098 Kč91.338 Kč3.190.979 Kč
11155.481 Kč95.955 Kč3.095.024 Kč
12150.632 Kč100.804 Kč2.994.220 Kč
13145.537 Kč105.899 Kč2.888.321 Kč
14140.185 Kč111.251 Kč2.777.070 Kč
15134.566 Kč116.870 Kč2.660.200 Kč
16128.659 Kč122.777 Kč2.537.423 Kč
17122.455 Kč128.981 Kč2.408.442 Kč
18115.937 Kč135.499 Kč2.272.943 Kč
19109.090 Kč142.346 Kč2.130.597 Kč
20101.896 Kč149.540 Kč1.981.057 Kč
2194.340 Kč157.096 Kč1.823.961 Kč
2286.400 Kč165.036 Kč1.658.925 Kč
2378.059 Kč173.377 Kč1.485.548 Kč
2469.301 Kč182.135 Kč1.303.413 Kč
2560.095 Kč191.341 Kč1.112.072 Kč
2650.425 Kč201.011 Kč911.061 Kč
2740.270 Kč211.166 Kč699.895 Kč
2829.596 Kč221.840 Kč478.055 Kč
2918.386 Kč233.050 Kč245.005 Kč
306.610 Kč245.005 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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