Skip to content

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?

Who’s buying
The home

29.2% of the price. At least 1,300,000 Kč for you.

The mortgage

A month24.5K Kč

Mortgage4.6M Kč

Monthly payment

Monthly payment
24,536 Kča month
Mortgage
4,602,000 Kč

A bank will want to see a net income of about 54,525 Kč a month, for the payment to be 45% of it.

Loan to value
70.8% of the price
The most a bank may lend you: 80%
Cash on day one
1,915,000 Kč
Interest over 30 years
4,231,002 Kč
Repaid in all
8,833,002 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
1225,798 Kč68,634 Kč4,533,366 Kč
2222,330 Kč72,102 Kč4,461,264 Kč
3218,687 Kč75,745 Kč4,385,519 Kč
4214,859 Kč79,573 Kč4,305,946 Kč
5210,838 Kč83,594 Kč4,222,352 Kč
6206,613 Kč87,819 Kč4,134,533 Kč
7202,174 Kč92,258 Kč4,042,275 Kč
8197,515 Kč96,917 Kč3,945,358 Kč
9192,617 Kč101,815 Kč3,843,543 Kč
10187,471 Kč106,961 Kč3,736,582 Kč
11182,065 Kč112,367 Kč3,624,215 Kč
12176,385 Kč118,047 Kč3,506,168 Kč
13170,421 Kč124,011 Kč3,382,157 Kč
14164,156 Kč130,276 Kč3,251,881 Kč
15157,573 Kč136,859 Kč3,115,022 Kč
16150,654 Kč143,778 Kč2,971,244 Kč
17143,392 Kč151,040 Kč2,820,204 Kč
18135,759 Kč158,673 Kč2,661,531 Kč
19127,740 Kč166,692 Kč2,494,839 Kč
20119,315 Kč175,117 Kč2,319,722 Kč
21110,468 Kč183,964 Kč2,135,758 Kč
22101,167 Kč193,265 Kč1,942,493 Kč
2391,404 Kč203,028 Kč1,739,465 Kč
2481,142 Kč213,290 Kč1,526,175 Kč
2570,364 Kč224,068 Kč1,302,107 Kč
2659,042 Kč235,390 Kč1,066,717 Kč
2747,148 Kč247,284 Kč819,433 Kč
2834,650 Kč259,782 Kč559,651 Kč
2921,523 Kč272,909 Kč286,742 Kč
307,732 Kč286,742 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.

Know what a flat is worth before you call.

Free for flat hunters. No install and no account to start.

Explore the mapAdd Bytky to Chrome