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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

20.3% of the price. At least 1,300,000 Kč for you.

The mortgage

A month27.6K Kč

Mortgage5.2M Kč

Monthly payment

Monthly payment
27,628 Kča month
Mortgage
5,182,000 Kč

A bank will want to see a net income of about 61,396 Kč a month, for the payment to be 45% of it.

Loan to value
79.7% of the price
The most a bank may lend you: 80%
Cash on day one
1,335,000 Kč
Interest over 30 years
4,764,390 Kč
Repaid in all
9,946,390 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
1254,258 Kč77,278 Kč5,104,722 Kč
2250,349 Kč81,187 Kč5,023,535 Kč
3246,250 Kč85,286 Kč4,938,249 Kč
4241,939 Kč89,597 Kč4,848,652 Kč
5237,411 Kč94,125 Kč4,754,527 Kč
6232,655 Kč98,881 Kč4,655,646 Kč
7227,660 Kč103,876 Kč4,551,770 Kč
8222,409 Kč109,127 Kč4,442,643 Kč
9216,893 Kč114,643 Kč4,328,000 Kč
10211,099 Kč120,437 Kč4,207,563 Kč
11205,014 Kč126,522 Kč4,081,041 Kč
12198,621 Kč132,915 Kč3,948,126 Kč
13191,903 Kč139,633 Kč3,808,493 Kč
14184,847 Kč146,689 Kč3,661,804 Kč
15177,435 Kč154,101 Kč3,507,703 Kč
16169,647 Kč161,889 Kč3,345,814 Kč
17161,468 Kč170,068 Kč3,175,746 Kč
18152,871 Kč178,665 Kč2,997,081 Kč
19143,844 Kč187,692 Kč2,809,389 Kč
20134,359 Kč197,177 Kč2,612,212 Kč
21124,394 Kč207,142 Kč2,405,070 Kč
22113,927 Kč217,609 Kč2,187,461 Kč
23102,930 Kč228,606 Kč1,958,855 Kč
2491,378 Kč240,158 Kč1,718,697 Kč
2579,242 Kč252,294 Kč1,466,403 Kč
2666,494 Kč265,042 Kč1,201,361 Kč
2753,099 Kč278,437 Kč922,924 Kč
2839,029 Kč292,507 Kč630,417 Kč
2924,247 Kč307,289 Kč323,128 Kč
308,718 Kč323,128 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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