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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

33.7% of the price. At least 1,300,000 Kč for you.

The mortgage

A month23K Kč

Mortgage4.3M Kč

Monthly payment

Monthly payment
22,979 Kča month
Mortgage
4,310,000 Kč

A bank will want to see a net income of about 51,065 Kč a month, for the payment to be 45% of it.

Loan to value
66.3% of the price
The most a bank may lend you: 80%
Cash on day one
2,207,000 Kč
Interest over 30 years
3,962,624 Kč
Repaid in all
8,272,624 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
1211,472 Kč64,276 Kč4,245,724 Kč
2208,224 Kč67,524 Kč4,178,200 Kč
3204,812 Kč70,936 Kč4,107,264 Kč
4201,227 Kč74,521 Kč4,032,743 Kč
5197,459 Kč78,289 Kč3,954,454 Kč
6193,504 Kč82,244 Kč3,872,210 Kč
7189,348 Kč86,400 Kč3,785,810 Kč
8184,980 Kč90,768 Kč3,695,042 Kč
9180,395 Kč95,353 Kč3,599,689 Kč
10175,576 Kč100,172 Kč3,499,517 Kč
11170,513 Kč105,235 Kč3,394,282 Kč
12165,195 Kč110,553 Kč3,283,729 Kč
13159,611 Kč116,137 Kč3,167,592 Kč
14153,742 Kč122,006 Kč3,045,586 Kč
15147,577 Kč128,171 Kč2,917,415 Kč
16141,099 Kč134,649 Kč2,782,766 Kč
17134,296 Kč141,452 Kč2,641,314 Kč
18127,146 Kč148,602 Kč2,492,712 Kč
19119,638 Kč156,110 Kč2,336,602 Kč
20111,749 Kč163,999 Kč2,172,603 Kč
21103,460 Kč172,288 Kč2,000,315 Kč
2294,754 Kč180,994 Kč1,819,321 Kč
2385,609 Kč190,139 Kč1,629,182 Kč
2476,000 Kč199,748 Kč1,429,434 Kč
2565,906 Kč209,842 Kč1,219,592 Kč
2655,301 Kč220,447 Kč999,145 Kč
2744,161 Kč231,587 Kč767,558 Kč
2832,458 Kč243,290 Kč524,268 Kč
2920,164 Kč255,584 Kč268,684 Kč
307,248 Kč268,684 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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