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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

21.9% of the price. At least 1,300,000 Kč for you.

The mortgage

A month27.1K Kč

Mortgage5.1M Kč

Monthly payment

Monthly payment
27,063 Kča month
Mortgage
5,076,000 Kč

A bank will want to see a net income of about 60,140 Kč a month, for the payment to be 45% of it.

Loan to value
78.1% of the price
The most a bank may lend you: 80%
Cash on day one
1,441,000 Kč
Interest over 30 years
4,666,871 Kč
Repaid in all
9,742,871 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
1249,055 Kč75,701 Kč5,000,299 Kč
2245,231 Kč79,525 Kč4,920,774 Kč
3241,212 Kč83,544 Kč4,837,230 Kč
4236,990 Kč87,766 Kč4,749,464 Kč
5232,556 Kč92,200 Kč4,657,264 Kč
6227,895 Kč96,861 Kč4,560,403 Kč
7223,001 Kč101,755 Kč4,458,648 Kč
8217,859 Kč106,897 Kč4,351,751 Kč
9212,456 Kč112,300 Kč4,239,451 Kč
10206,780 Kč117,976 Kč4,121,475 Kč
11200,818 Kč123,938 Kč3,997,537 Kč
12194,557 Kč130,199 Kč3,867,338 Kč
13187,976 Kč136,780 Kč3,730,558 Kč
14181,065 Kč143,691 Kč3,586,867 Kč
15173,802 Kč150,954 Kč3,435,913 Kč
16166,175 Kč158,581 Kč3,277,332 Kč
17158,163 Kč166,593 Kč3,110,739 Kč
18149,744 Kč175,012 Kč2,935,727 Kč
19140,899 Kč183,857 Kč2,751,870 Kč
20131,609 Kč193,147 Kč2,558,723 Kč
21121,846 Kč202,910 Kč2,355,813 Kč
22111,594 Kč213,162 Kč2,142,651 Kč
23100,820 Kč223,936 Kč1,918,715 Kč
2489,506 Kč235,250 Kč1,683,465 Kč
2577,618 Kč247,138 Kč1,436,327 Kč
2665,128 Kč259,628 Kč1,176,699 Kč
2752,010 Kč272,746 Kč903,953 Kč
2838,225 Kč286,531 Kč617,422 Kč
2923,745 Kč301,011 Kč316,411 Kč
308,536 Kč316,411 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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