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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

32.3% of the price. At least 1,300,000 Kč for you.

The mortgage

A month23.5K Kč

Mortgage4.4M Kč

Monthly payment

Monthly payment
23,470 Kča month
Mortgage
4,402,000 Kč

A bank will want to see a net income of about 52,156 Kč a month, for the payment to be 45% of it.

Loan to value
67.7% of the price
The most a bank may lend you: 80%
Cash on day one
2,115,000 Kč
Interest over 30 years
4,047,006 Kč
Repaid in all
8,449,006 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
1215,986 Kč65,654 Kč4,336,346 Kč
2212,669 Kč68,971 Kč4,267,375 Kč
3209,182 Kč72,458 Kč4,194,917 Kč
4205,520 Kč76,120 Kč4,118,797 Kč
5201,676 Kč79,964 Kč4,038,833 Kč
6197,635 Kč84,005 Kč3,954,828 Kč
7193,389 Kč88,251 Kč3,866,577 Kč
8188,928 Kč92,712 Kč3,773,865 Kč
9184,243 Kč97,397 Kč3,676,468 Kč
10179,321 Kč102,319 Kč3,574,149 Kč
11174,152 Kč107,488 Kč3,466,661 Kč
12168,720 Kč112,920 Kč3,353,741 Kč
13163,012 Kč118,628 Kč3,235,113 Kč
14157,019 Kč124,621 Kč3,110,492 Kč
15150,723 Kč130,917 Kč2,979,575 Kč
16144,104 Kč137,536 Kč2,842,039 Kč
17137,154 Kč144,486 Kč2,697,553 Kč
18129,852 Kč151,788 Kč2,545,765 Kč
19122,183 Kč159,457 Kč2,386,308 Kč
20114,124 Kč167,516 Kč2,218,792 Kč
21105,659 Kč175,981 Kč2,042,811 Kč
2296,766 Kč184,874 Kč1,857,937 Kč
2387,424 Kč194,216 Kč1,663,721 Kč
2477,611 Kč204,029 Kč1,459,692 Kč
2567,300 Kč214,340 Kč1,245,352 Kč
2656,468 Kč225,172 Kč1,020,180 Kč
2745,090 Kč236,550 Kč783,630 Kč
2833,136 Kč248,504 Kč535,126 Kč
2920,576 Kč261,064 Kč274,062 Kč
307,384 Kč274,062 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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