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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

25.5% of the price. At least 1,300,000 Kč for you.

The mortgage

A month25.8K Kč

Mortgage4.8M Kč

Monthly payment

Monthly payment
25,816 Kča month
Mortgage
4,842,000 Kč

A bank will want to see a net income of about 57,369 Kč a month, for the payment to be 45% of it.

Loan to value
74.5% of the price
The most a bank may lend you: 80%
Cash on day one
1,675,000 Kč
Interest over 30 years
4,451,452 Kč
Repaid in all
9,293,452 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
1237,573 Kč72,219 Kč4,769,781 Kč
2233,924 Kč75,868 Kč4,693,913 Kč
3230,092 Kč79,700 Kč4,614,213 Kč
4226,063 Kč83,729 Kč4,530,484 Kč
5221,832 Kč87,960 Kč4,442,524 Kč
6217,387 Kč92,405 Kč4,350,119 Kč
7212,717 Kč97,075 Kč4,253,044 Kč
8207,811 Kč101,981 Kč4,151,063 Kč
9202,660 Kč107,132 Kč4,043,931 Kč
10197,246 Kč112,546 Kč3,931,385 Kč
11191,557 Kč118,235 Kč3,813,150 Kč
12185,581 Kč124,211 Kč3,688,939 Kč
13179,305 Kč130,487 Kč3,558,452 Kč
14172,711 Kč137,081 Kč3,421,371 Kč
15165,784 Kč144,008 Kč3,277,363 Kč
16158,507 Kč151,285 Kč3,126,078 Kč
17150,861 Kč158,931 Kč2,967,147 Kč
18142,829 Kč166,963 Kč2,800,184 Kč
19134,394 Kč175,398 Kč2,624,786 Kč
20125,530 Kč184,262 Kč2,440,524 Kč
21116,220 Kč193,572 Kč2,246,952 Kč
22106,436 Kč203,356 Kč2,043,596 Kč
2396,158 Kč213,634 Kč1,829,962 Kč
2485,364 Kč224,428 Kč1,605,534 Kč
2574,022 Kč235,770 Kč1,369,764 Kč
2662,109 Kč247,683 Kč1,122,081 Kč
2749,590 Kč260,202 Kč861,879 Kč
2836,441 Kč273,351 Kč588,528 Kč
2922,629 Kč287,163 Kč301,365 Kč
308,119 Kč301,365 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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