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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

12 % of the price. At least 1.300.000 Kč for you.

The mortgage

A month30.513 Kč

Mortgage5,7 Mio. Kč

Monthly payment

Monthly payment
30.513 Kča month
Mortgage
5.723.000 Kč

A bank may lend you at most 80 % of the price, so put down at least 1.300.000 Kč.

Loan to value
88 % of the price
The most a bank may lend you: 80 %
Cash on day one
794.000 Kč
Interest over 30 years
5.261.487 Kč
Repaid in all
10.984.487 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
1280.799 Kč85.357 Kč5.637.643 Kč
2276.487 Kč89.669 Kč5.547.974 Kč
3271.956 Kč94.200 Kč5.453.774 Kč
4267.195 Kč98.961 Kč5.354.813 Kč
5262.195 Kč103.961 Kč5.250.852 Kč
6256.942 Kč109.214 Kč5.141.638 Kč
7251.421 Kč114.735 Kč5.026.903 Kč
8245.623 Kč120.533 Kč4.906.370 Kč
9239.532 Kč126.624 Kč4.779.746 Kč
10233.134 Kč133.022 Kč4.646.724 Kč
11226.413 Kč139.743 Kč4.506.981 Kč
12219.351 Kč146.805 Kč4.360.176 Kč
13211.934 Kč154.222 Kč4.205.954 Kč
14204.139 Kč162.017 Kč4.043.937 Kč
15195.952 Kč170.204 Kč3.873.733 Kč
16187.351 Kč178.805 Kč3.694.928 Kč
17178.314 Kč187.842 Kč3.507.086 Kč
18168.821 Kč197.335 Kč3.309.751 Kč
19158.850 Kč207.306 Kč3.102.445 Kč
20148.375 Kč217.781 Kč2.884.664 Kč
21137.366 Kč228.790 Kč2.655.874 Kč
22125.807 Kč240.349 Kč2.415.525 Kč
23113.661 Kč252.495 Kč2.163.030 Kč
24100.901 Kč265.255 Kč1.897.775 Kč
2587.495 Kč278.661 Kč1.619.114 Kč
2673.415 Kč292.741 Kč1.326.373 Kč
2758.622 Kč307.534 Kč1.018.839 Kč
2843.080 Kč323.076 Kč695.763 Kč
2926.753 Kč339.403 Kč356.360 Kč
309.603 Kč356.360 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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