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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

19.1% of the price. At least 1,300,000 Kč for you.

The mortgage

A month28K Kč

Mortgage5.3M Kč

Monthly payment

Monthly payment
28,044 Kča month
Mortgage
5,260,000 Kč

A bank may lend you at most 80% of the price, so put down at least 1,300,000 Kč.

Loan to value
80.9% of the price
The most a bank may lend you: 80%
Cash on day one
1,257,000 Kč
Interest over 30 years
4,836,028 Kč
Repaid in all
10,096,028 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
1258,083 Kč78,445 Kč5,181,555 Kč
2254,118 Kč82,410 Kč5,099,145 Kč
3249,954 Kč86,574 Kč5,012,571 Kč
4245,580 Kč90,948 Kč4,921,623 Kč
5240,985 Kč95,543 Kč4,826,080 Kč
6236,155 Kč100,373 Kč4,725,707 Kč
7231,085 Kč105,443 Kč4,620,264 Kč
8225,757 Kč110,771 Kč4,509,493 Kč
9220,159 Kč116,369 Kč4,393,124 Kč
10214,276 Kč122,252 Kč4,270,872 Kč
11208,100 Kč128,428 Kč4,142,444 Kč
12201,609 Kč134,919 Kč4,007,525 Kč
13194,790 Kč141,738 Kč3,865,787 Kč
14187,626 Kč148,902 Kč3,716,885 Kč
15180,103 Kč156,425 Kč3,560,460 Kč
16172,198 Kč164,330 Kč3,396,130 Kč
17163,896 Kč172,632 Kč3,223,498 Kč
18155,169 Kč181,359 Kč3,042,139 Kč
19146,006 Kč190,522 Kč2,851,617 Kč
20136,377 Kč200,151 Kč2,651,466 Kč
21126,264 Kč210,264 Kč2,441,202 Kč
22115,639 Kč220,889 Kč2,220,313 Kč
23104,476 Kč232,052 Kč1,988,261 Kč
2492,749 Kč243,779 Kč1,744,482 Kč
2580,431 Kč256,097 Kč1,488,385 Kč
2667,488 Kč269,040 Kč1,219,345 Kč
2753,893 Kč282,635 Kč936,710 Kč
2839,611 Kč296,917 Kč639,793 Kč
2924,606 Kč311,922 Kč327,871 Kč
308,845 Kč327,871 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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