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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

23.9% of the price. At least 1,300,000 Kč for you.

The mortgage

A month26.4K Kč

Mortgage4.9M Kč

Monthly payment

Monthly payment
26,359 Kča month
Mortgage
4,944,000 Kč

A bank will want to see a net income of about 58,576 Kč a month, for the payment to be 45% of it.

Loan to value
76.1% of the price
The most a bank may lend you: 80%
Cash on day one
1,573,000 Kč
Interest over 30 years
4,545,613 Kč
Repaid in all
9,489,613 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
1242,579 Kč73,729 Kč4,870,271 Kč
2238,853 Kč77,455 Kč4,792,816 Kč
3234,939 Kč81,369 Kč4,711,447 Kč
4230,827 Kč85,481 Kč4,625,966 Kč
5226,507 Kč89,801 Kč4,536,165 Kč
6221,970 Kč94,338 Kč4,441,827 Kč
7217,202 Kč99,106 Kč4,342,721 Kč
8212,195 Kč104,113 Kč4,238,608 Kč
9206,931 Kč109,377 Kč4,129,231 Kč
10201,406 Kč114,902 Kč4,014,329 Kč
11195,600 Kč120,708 Kč3,893,621 Kč
12189,501 Kč126,807 Kč3,766,814 Kč
13183,091 Kč133,217 Kč3,633,597 Kč
14176,358 Kč139,950 Kč3,493,647 Kč
15169,288 Kč147,020 Kč3,346,627 Kč
16161,857 Kč154,451 Kč3,192,176 Kč
17154,051 Kč162,257 Kč3,029,919 Kč
18145,853 Kč170,455 Kč2,859,464 Kč
19137,239 Kč179,069 Kč2,680,395 Kč
20128,189 Kč188,119 Kč2,492,276 Kč
21118,684 Kč197,624 Kč2,294,652 Kč
22108,696 Kč207,612 Kč2,087,040 Kč
2398,205 Kč218,103 Kč1,868,937 Kč
2487,184 Kč229,124 Kč1,639,813 Kč
2575,605 Kč240,703 Kč1,399,110 Kč
2663,442 Kč252,866 Kč1,146,244 Kč
2750,664 Kč265,644 Kč880,600 Kč
2837,240 Kč279,068 Kč601,532 Kč
2923,137 Kč293,171 Kč308,361 Kč
308,320 Kč308,361 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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