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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

46,1 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month18.671 Kč

Mortgage3,5 Mio. Kč

Monthly payment

Monthly payment
18.671 Kča month
Mortgage
3.502.000 Kč

A bank will want to see a net income of about 41.492 Kč a month, for the payment to be 45 % of it.

Loan to value
53,9 % of the price
The most a bank may lend you: 80 %
Cash on day one
3.015.000 Kč
Interest over 30 years
3.219.805 Kč
Repaid in all
6.721.805 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
1171.825 Kč52.227 Kč3.449.773 Kč
2169.188 Kč54.864 Kč3.394.909 Kč
3166.416 Kč57.636 Kč3.337.273 Kč
4163.503 Kč60.549 Kč3.276.724 Kč
5160.443 Kč63.609 Kč3.213.115 Kč
6157.226 Kč66.826 Kč3.146.289 Kč
7153.851 Kč70.201 Kč3.076.088 Kč
8150.305 Kč73.747 Kč3.002.341 Kč
9146.579 Kč77.473 Kč2.924.868 Kč
10142.661 Kč81.391 Kč2.843.477 Kč
11138.549 Kč85.503 Kč2.757.974 Kč
12134.228 Kč89.824 Kč2.668.150 Kč
13129.690 Kč94.362 Kč2.573.788 Kč
14124.921 Kč99.131 Kč2.474.657 Kč
15119.911 Kč104.141 Kč2.370.516 Kč
16114.650 Kč109.402 Kč2.261.114 Kč
17109.120 Kč114.932 Kč2.146.182 Kč
18103.312 Kč120.740 Kč2.025.442 Kč
1997.212 Kč126.840 Kč1.898.602 Kč
2090.800 Kč133.252 Kč1.765.350 Kč
2184.066 Kč139.986 Kč1.625.364 Kč
2276.994 Kč147.058 Kč1.478.306 Kč
2369.564 Kč154.488 Kč1.323.818 Kč
2461.756 Kč162.296 Kč1.161.522 Kč
2553.552 Kč170.500 Kč991.022 Kč
2644.938 Kč179.114 Kč811.908 Kč
2735.885 Kč188.167 Kč623.741 Kč
2826.377 Kč197.675 Kč426.066 Kč
2916.388 Kč207.664 Kč218.402 Kč
305.895 Kč218.402 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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