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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

45,8 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month18.767 Kč

Mortgage3,5 Mio. Kč

Monthly payment

Monthly payment
18.767 Kča month
Mortgage
3.520.000 Kč

A bank will want to see a net income of about 41.705 Kč a month, for the payment to be 45 % of it.

Loan to value
54,2 % of the price
The most a bank may lend you: 80 %
Cash on day one
2.997.000 Kč
Interest over 30 years
3.236.339 Kč
Repaid in all
6.756.339 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
1172.711 Kč52.493 Kč3.467.507 Kč
2170.057 Kč55.147 Kč3.412.360 Kč
3167.272 Kč57.932 Kč3.354.428 Kč
4164.342 Kč60.862 Kč3.293.566 Kč
5161.268 Kč63.936 Kč3.229.630 Kč
6158.036 Kč67.168 Kč3.162.462 Kč
7154.643 Kč70.561 Kč3.091.901 Kč
8151.076 Kč74.128 Kč3.017.773 Kč
9147.330 Kč77.874 Kč2.939.899 Kč
10143.396 Kč81.808 Kč2.858.091 Kč
11139.262 Kč85.942 Kč2.772.149 Kč
12134.917 Kč90.287 Kč2.681.862 Kč
13130.356 Kč94.848 Kč2.587.014 Kč
14125.561 Kč99.643 Kč2.487.371 Kč
15120.527 Kč104.677 Kč2.382.694 Kč
16115.237 Kč109.967 Kč2.272.727 Kč
17109.679 Kč115.525 Kč2.157.202 Kč
18103.842 Kč121.362 Kč2.035.840 Kč
1997.710 Kč127.494 Kč1.908.346 Kč
2091.267 Kč133.937 Kč1.774.409 Kč
2184.500 Kč140.704 Kč1.633.705 Kč
2277.388 Kč147.816 Kč1.485.889 Kč
2369.917 Kč155.287 Kč1.330.602 Kč
2462.071 Kč163.133 Kč1.167.469 Kč
2553.829 Kč171.375 Kč996.094 Kč
2645.170 Kč180.034 Kč816.060 Kč
2736.068 Kč189.136 Kč626.924 Kč
2826.512 Kč198.692 Kč428.232 Kč
2916.472 Kč208.732 Kč219.500 Kč
305.923 Kč219.500 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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