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

56,8 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month14.960 Kč

Mortgage2,8 Mio. Kč

Monthly payment

Monthly payment
14.960 Kča month
Mortgage
2.806.000 Kč

A bank will want to see a net income of about 33.245 Kč a month, for the payment to be 45 % of it.

Loan to value
43,2 % of the price
The most a bank may lend you: 80 %
Cash on day one
3.711.000 Kč
Interest over 30 years
2.579.991 Kč
Repaid in all
5.385.991 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
1137.676 Kč41.844 Kč2.764.156 Kč
2135.564 Kč43.956 Kč2.720.200 Kč
3133.340 Kč46.180 Kč2.674.020 Kč
4131.007 Kč48.513 Kč2.625.507 Kč
5128.556 Kč50.964 Kč2.574.543 Kč
6125.982 Kč53.538 Kč2.521.005 Kč
7123.274 Kč56.246 Kč2.464.759 Kč
8120.434 Kč59.086 Kč2.405.673 Kč
9117.448 Kč62.072 Kč2.343.601 Kč
10114.311 Kč65.209 Kč2.278.392 Kč
11111.014 Kč68.506 Kč2.209.886 Kč
12107.552 Kč71.968 Kč2.137.918 Kč
13103.915 Kč75.605 Kč2.062.313 Kč
14100.097 Kč79.423 Kč1.982.890 Kč
1596.084 Kč83.436 Kč1.899.454 Kč
1691.865 Kč87.655 Kč1.811.799 Kč
1787.438 Kč92.082 Kč1.719.717 Kč
1882.784 Kč96.736 Kč1.622.981 Kč
1977.895 Kč101.625 Kč1.521.356 Kč
2072.758 Kč106.762 Kč1.414.594 Kč
2167.363 Kč112.157 Kč1.302.437 Kč
2261.698 Kč117.822 Kč1.184.615 Kč
2355.743 Kč123.777 Kč1.060.838 Kč
2449.488 Kč130.032 Kč930.806 Kč
2542.916 Kč136.604 Kč794.202 Kč
2636.012 Kč143.508 Kč650.694 Kč
2728.760 Kč150.760 Kč499.934 Kč
2821.143 Kč158.377 Kč341.557 Kč
2913.141 Kč166.379 Kč175.178 Kč
304.733 Kč175.178 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.