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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

21.2% of the price. At least 1,300,000 Kč for you.

The mortgage

A month27.3K Kč

Mortgage5.1M Kč

Monthly payment

Monthly payment
27,308 Kča month
Mortgage
5,122,000 Kč

A bank will want to see a net income of about 60,685 Kč a month, for the payment to be 45% of it.

Loan to value
78.8% of the price
The most a bank may lend you: 80%
Cash on day one
1,395,000 Kč
Interest over 30 years
4,709,274 Kč
Repaid in all
9,831,274 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
1251,312 Kč76,384 Kč5,045,616 Kč
2247,452 Kč80,244 Kč4,965,372 Kč
3243,397 Kč84,299 Kč4,881,073 Kč
4239,137 Kč88,559 Kč4,792,514 Kč
5234,663 Kč93,033 Kč4,699,481 Kč
6229,960 Kč97,736 Kč4,601,745 Kč
7225,021 Kč102,675 Kč4,499,070 Kč
8219,835 Kč107,861 Kč4,391,209 Kč
9214,383 Kč113,313 Kč4,277,896 Kč
10208,657 Kč119,039 Kč4,158,857 Kč
11202,641 Kč125,055 Kč4,033,802 Kč
12196,324 Kč131,372 Kč3,902,430 Kč
13189,684 Kč138,012 Kč3,764,418 Kč
14182,708 Kč144,988 Kč3,619,430 Kč
15175,381 Kč152,315 Kč3,467,115 Kč
16167,683 Kč160,013 Kč3,307,102 Kč
17159,597 Kč168,099 Kč3,139,003 Kč
18151,105 Kč176,591 Kč2,962,412 Kč
19142,180 Kč185,516 Kč2,776,896 Kč
20132,807 Kč194,889 Kč2,582,007 Kč
21122,957 Kč204,739 Kč2,377,268 Kč
22112,609 Kč215,087 Kč2,162,181 Kč
23101,742 Kč225,954 Kč1,936,227 Kč
2490,322 Kč237,374 Kč1,698,853 Kč
2578,329 Kč249,367 Kč1,449,486 Kč
2665,724 Kč261,972 Kč1,187,514 Kč
2752,488 Kč275,208 Kč912,306 Kč
2838,582 Kč289,114 Kč623,192 Kč
2923,972 Kč303,724 Kč319,468 Kč
308,622 Kč319,468 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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