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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

36.9% of the price. At least 1,300,000 Kč for you.

The mortgage

A month21.9K Kč

Mortgage4.1M Kč

Monthly payment

Monthly payment
21,870 Kča month
Mortgage
4,102,000 Kč

A bank will want to see a net income of about 48,600 Kč a month, for the payment to be 45% of it.

Loan to value
63.1% of the price
The most a bank may lend you: 80%
Cash on day one
2,415,000 Kč
Interest over 30 years
3,771,440 Kč
Repaid in all
7,873,440 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
1201,266 Kč61,174 Kč4,040,826 Kč
2198,176 Kč64,264 Kč3,976,562 Kč
3194,928 Kč67,512 Kč3,909,050 Kč
4191,516 Kč70,924 Kč3,838,126 Kč
5187,931 Kč74,509 Kč3,763,617 Kč
6184,166 Kč78,274 Kč3,685,343 Kč
7180,210 Kč82,230 Kč3,603,113 Kč
8176,058 Kč86,382 Kč3,516,731 Kč
9171,691 Kč90,749 Kč3,425,982 Kč
10167,105 Kč95,335 Kč3,330,647 Kč
11162,288 Kč100,152 Kč3,230,495 Kč
12157,226 Kč105,214 Kč3,125,281 Kč
13151,910 Kč110,530 Kč3,014,751 Kč
14146,323 Kč116,117 Kč2,898,634 Kč
15140,455 Kč121,985 Kč2,776,649 Kč
16134,292 Kč128,148 Kč2,648,501 Kč
17127,815 Kč134,625 Kč2,513,876 Kč
18121,013 Kč141,427 Kč2,372,449 Kč
19113,865 Kč148,575 Kč2,223,874 Kč
20106,357 Kč156,083 Kč2,067,791 Kč
2198,468 Kč163,972 Kč1,903,819 Kč
2290,184 Kč172,256 Kč1,731,563 Kč
2381,478 Kč180,962 Kč1,550,601 Kč
2472,334 Kč190,106 Kč1,360,495 Kč
2562,727 Kč199,713 Kč1,160,782 Kč
2652,636 Kč209,804 Kč950,978 Kč
2742,033 Kč220,407 Kč730,571 Kč
2830,895 Kč231,545 Kč499,026 Kč
2919,193 Kč243,247 Kč255,779 Kč
306,901 Kč255,779 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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