Free tool
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?
A month26.5K Kč
Mortgage5M Kč
Monthly payment
- Monthly payment
- 26,455 Kča month
- Mortgage
- 4,962,000 Kč
A bank will want to see a net income of about 58,789 Kč a month, for the payment to be 45% of it.
- Loan to value
- 76.3% of the price
- The most a bank may lend you: 80%
- Cash on day one
- 1,555,000 Kč
- Interest over 30 years
- 4,562,160 Kč
- Repaid in all
- 9,524,160 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.
No area by that name.
Counting the flats…
What you still owe, year by year
Each year’s payments
| Year | Interest | Repaid | Still owed |
|---|---|---|---|
| 1 | 243,461 Kč | 73,999 Kč | 4,888,001 Kč |
| 2 | 239,724 Kč | 77,736 Kč | 4,810,265 Kč |
| 3 | 235,794 Kč | 81,666 Kč | 4,728,599 Kč |
| 4 | 231,667 Kč | 85,793 Kč | 4,642,806 Kč |
| 5 | 227,333 Kč | 90,127 Kč | 4,552,679 Kč |
| 6 | 222,776 Kč | 94,684 Kč | 4,457,995 Kč |
| 7 | 217,994 Kč | 99,466 Kč | 4,358,529 Kč |
| 8 | 212,967 Kč | 104,493 Kč | 4,254,036 Kč |
| 9 | 207,687 Kč | 109,773 Kč | 4,144,263 Kč |
| 10 | 202,140 Kč | 115,320 Kč | 4,028,943 Kč |
| 11 | 196,311 Kč | 121,149 Kč | 3,907,794 Kč |
| 12 | 190,190 Kč | 127,270 Kč | 3,780,524 Kč |
| 13 | 183,756 Kč | 133,704 Kč | 3,646,820 Kč |
| 14 | 177,001 Kč | 140,459 Kč | 3,506,361 Kč |
| 15 | 169,903 Kč | 147,557 Kč | 3,358,804 Kč |
| 16 | 162,445 Kč | 155,015 Kč | 3,203,789 Kč |
| 17 | 154,613 Kč | 162,847 Kč | 3,040,942 Kč |
| 18 | 146,385 Kč | 171,075 Kč | 2,869,867 Kč |
| 19 | 137,737 Kč | 179,723 Kč | 2,690,144 Kč |
| 20 | 128,657 Kč | 188,803 Kč | 2,501,341 Kč |
| 21 | 119,116 Kč | 198,344 Kč | 2,302,997 Kč |
| 22 | 109,092 Kč | 208,368 Kč | 2,094,629 Kč |
| 23 | 98,563 Kč | 218,897 Kč | 1,875,732 Kč |
| 24 | 87,500 Kč | 229,960 Kč | 1,645,772 Kč |
| 25 | 75,881 Kč | 241,579 Kč | 1,404,193 Kč |
| 26 | 63,673 Kč | 253,787 Kč | 1,150,406 Kč |
| 27 | 50,848 Kč | 266,612 Kč | 883,794 Kč |
| 28 | 37,374 Kč | 280,086 Kč | 603,708 Kč |
| 29 | 23,220 Kč | 294,240 Kč | 309,468 Kč |
| 30 | 8,352 Kč | 309,468 Kč | 0 Kč |
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.
ČNB limit: own home80%Verified
ČNB's binding upper LTV limit for mortgages: 80 % (90 % for applicants under 36 buying their own home). Left unchanged on 4 June 2026. Checked 14 October 2026
ČNB recommendation: flat to let70%Verified
ČNB's recommendation since 1 April 2026 for a mortgage on a third or further flat, or one bought to let: LTV 70 % at most. Recommended, not binding; left unchanged on 4 June 2026. Checked 14 October 2026
ČNB recommendation: debt to income× 7Verified
ČNB's recommendation since 1 April 2026 for such a mortgage: total debt at most 7 times the net annual income. Checked 14 October 2026
Most of your income for payments45%Assumption
The ČNB capped loan payments at this share of net income (50% for applicants under 36) from April 2022 until it lifted the cap on 1 July 2023. Banks now test affordability their own way, and some are stricter. Checked 19 October 2026
Mortgage interest rate4.94%Assumption
ČNB average rate on new housing loans to households, August 2026 (4.94 %; mortgages alone 4.86 %). Your bank's offer will differ. Checked 14 October 2026
Mortgage term30 yearsAssumption
30 years, the longest term most Czech banks offer. Checked 14 October 2026
Cadastre fee2,000 Kč, onceVerified
Administrative Fees Act (634/2004 Coll.), item 120, per the Land Survey Office (ČÚZK). Checked 13 October 2026
Lawyer and escrow15,000 Kč, onceAssumption
A typical lawyer's fee for the purchase contract and the escrow of the price. Checked 13 October 2026
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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