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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

19.2% of the price. At least 1,300,000 Kč for you.

The mortgage

A month28K Kč

Mortgage5.3M Kč

Monthly payment

Monthly payment
28,012 Kča month
Mortgage
5,254,000 Kč

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

Loan to value
80.8% of the price
The most a bank may lend you: 80%
Cash on day one
1,263,000 Kč
Interest over 30 years
4,830,525 Kč
Repaid in all
10,084,525 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
1257,790 Kč78,354 Kč5,175,646 Kč
2253,828 Kč82,316 Kč5,093,330 Kč
3249,670 Kč86,474 Kč5,006,856 Kč
4245,301 Kč90,843 Kč4,916,013 Kč
5240,711 Kč95,433 Kč4,820,580 Kč
6235,885 Kč100,259 Kč4,720,321 Kč
7230,821 Kč105,323 Kč4,614,998 Kč
8225,496 Kč110,648 Kč4,504,350 Kč
9219,907 Kč116,237 Kč4,388,113 Kč
10214,032 Kč122,112 Kč4,266,001 Kč
11207,863 Kč128,281 Kč4,137,720 Kč
12201,379 Kč134,765 Kč4,002,955 Kč
13194,568 Kč141,576 Kč3,861,379 Kč
14187,416 Kč148,728 Kč3,712,651 Kč
15179,898 Kč156,246 Kč3,556,405 Kč
16172,003 Kč164,141 Kč3,392,264 Kč
17163,708 Kč172,436 Kč3,219,828 Kč
18154,994 Kč181,150 Kč3,038,678 Kč
19145,838 Kč190,306 Kč2,848,372 Kč
20136,224 Kč199,920 Kč2,648,452 Kč
21126,121 Kč210,023 Kč2,438,429 Kč
22115,506 Kč220,638 Kč2,217,791 Kč
23104,358 Kč231,786 Kč1,986,005 Kč
2492,646 Kč243,498 Kč1,742,507 Kč
2580,338 Kč255,806 Kč1,486,701 Kč
2667,414 Kč268,730 Kč1,217,971 Kč
2753,833 Kč282,311 Kč935,660 Kč
2839,566 Kč296,578 Kč639,082 Kč
2924,577 Kč311,567 Kč327,515 Kč
308,834 Kč327,515 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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