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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

28.5% of the price. At least 1,300,000 Kč for you.

The mortgage

A month24.8K Kč

Mortgage4.7M Kč

Monthly payment

Monthly payment
24,792 Kča month
Mortgage
4,650,000 Kč

A bank will want to see a net income of about 55,094 Kč a month, for the payment to be 45% of it.

Loan to value
71.5% of the price
The most a bank may lend you: 80%
Cash on day one
1,867,000 Kč
Interest over 30 years
4,275,099 Kč
Repaid in all
8,925,099 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
1228,155 Kč69,349 Kč4,580,651 Kč
2224,650 Kč72,854 Kč4,507,797 Kč
3220,969 Kč76,535 Kč4,431,262 Kč
4217,100 Kč80,404 Kč4,350,858 Kč
5213,036 Kč84,468 Kč4,266,390 Kč
6208,769 Kč88,735 Kč4,177,655 Kč
7204,283 Kč93,221 Kč4,084,434 Kč
8199,572 Kč97,932 Kč3,986,502 Kč
9194,625 Kč102,879 Kč3,883,623 Kč
10189,426 Kč108,078 Kč3,775,545 Kč
11183,965 Kč113,539 Kč3,662,006 Kč
12178,227 Kč119,277 Kč3,542,729 Kč
13172,197 Kč125,307 Kč3,417,422 Kč
14165,867 Kč131,637 Kč3,285,785 Kč
15159,215 Kč138,289 Kč3,147,496 Kč
16152,226 Kč145,278 Kč3,002,218 Kč
17144,885 Kč152,619 Kč2,849,599 Kč
18137,172 Kč160,332 Kč2,689,267 Kč
19129,069 Kč168,435 Kč2,520,832 Kč
20120,558 Kč176,946 Kč2,343,886 Kč
21111,617 Kč185,887 Kč2,157,999 Kč
22102,224 Kč195,280 Kč1,962,719 Kč
2392,354 Kč205,150 Kč1,757,569 Kč
2481,987 Kč215,517 Kč1,542,052 Kč
2571,097 Kč226,407 Kč1,315,645 Kč
2659,655 Kč237,849 Kč1,077,796 Kč
2747,636 Kč249,868 Kč827,928 Kč
2835,010 Kč262,494 Kč565,434 Kč
2921,743 Kč275,761 Kč289,673 Kč
307,810 Kč289,673 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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