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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

40 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month20.804 Kč

Mortgage3,9 Mio. Kč

Monthly payment

Monthly payment
20.804 Kča month
Mortgage
3.902.000 Kč

A bank will want to see a net income of about 46.232 Kč a month, for the payment to be 45 % of it.

Loan to value
60 % of the price
The most a bank may lend you: 80 %
Cash on day one
2.615.000 Kč
Interest over 30 years
3.587.370 Kč
Repaid in all
7.489.370 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
1191.453 Kč58.195 Kč3.843.805 Kč
2188.511 Kč61.137 Kč3.782.668 Kč
3185.421 Kč64.227 Kč3.718.441 Kč
4182.178 Kč67.470 Kč3.650.971 Kč
5178.767 Kč70.881 Kč3.580.090 Kč
6175.187 Kč74.461 Kč3.505.629 Kč
7171.422 Kč78.226 Kč3.427.403 Kč
8167.469 Kč82.179 Kč3.345.224 Kč
9163.316 Kč86.332 Kč3.258.892 Kč
10158.952 Kč90.696 Kč3.168.196 Kč
11154.370 Kč95.278 Kč3.072.918 Kč
12149.556 Kč100.092 Kč2.972.826 Kč
13144.496 Kč105.152 Kč2.867.674 Kč
14139.185 Kč110.463 Kč2.757.211 Kč
15133.604 Kč116.044 Kč2.641.167 Kč
16127.739 Kč121.909 Kč2.519.258 Kč
17121.578 Kč128.070 Kč2.391.188 Kč
18115.106 Kč134.542 Kč2.256.646 Kč
19108.307 Kč141.341 Kč2.115.305 Kč
20101.164 Kč148.484 Kč1.966.821 Kč
2193.660 Kč155.988 Kč1.810.833 Kč
2285.778 Kč163.870 Kč1.646.963 Kč
2377.497 Kč172.151 Kč1.474.812 Kč
2468.797 Kč180.851 Kč1.293.961 Kč
2559.659 Kč189.989 Kč1.103.972 Kč
2650.057 Kč199.591 Kč904.381 Kč
2739.972 Kč209.676 Kč694.705 Kč
2829.374 Kč220.274 Kč474.431 Kč
2918.245 Kč231.403 Kč243.028 Kč
306.550 Kč243.028 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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