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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

66.4% of the price. At least 1,300,000 Kč for you.

The mortgage

A month11.6K Kč

Mortgage2.2M Kč

Monthly payment

Monthly payment
11,634 Kča month
Mortgage
2,182,000 Kč

A bank will want to see a net income of about 25,854 Kč a month, for the payment to be 45% of it.

Loan to value
33.6% of the price
The most a bank may lend you: 80%
Cash on day one
4,335,000 Kč
Interest over 30 years
2,005,898 Kč
Repaid in all
4,187,898 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
1107,062 Kč32,546 Kč2,149,454 Kč
2105,417 Kč34,191 Kč2,115,263 Kč
3103,689 Kč35,919 Kč2,079,344 Kč
4101,872 Kč37,736 Kč2,041,608 Kč
599,966 Kč39,642 Kč2,001,966 Kč
697,961 Kč41,647 Kč1,960,319 Kč
795,859 Kč43,749 Kč1,916,570 Kč
893,647 Kč45,961 Kč1,870,609 Kč
991,326 Kč48,282 Kč1,822,327 Kč
1088,885 Kč50,723 Kč1,771,604 Kč
1186,320 Kč53,288 Kč1,718,316 Kč
1283,628 Kč55,980 Kč1,662,336 Kč
1380,801 Kč58,807 Kč1,603,529 Kč
1477,829 Kč61,779 Kč1,541,750 Kč
1574,705 Kč64,903 Kč1,476,847 Kč
1671,427 Kč68,181 Kč1,408,666 Kč
1767,980 Kč71,628 Kč1,337,038 Kč
1864,361 Kč75,247 Kč1,261,791 Kč
1960,560 Kč79,048 Kč1,182,743 Kč
2056,564 Kč83,044 Kč1,099,699 Kč
2152,368 Kč87,240 Kč1,012,459 Kč
2247,958 Kč91,650 Kč920,809 Kč
2343,328 Kč96,280 Kč824,529 Kč
2438,461 Kč101,147 Kč723,382 Kč
2533,352 Kč106,256 Kč617,126 Kč
2627,982 Kč111,626 Kč505,500 Kč
2722,341 Kč117,267 Kč388,233 Kč
2816,413 Kč123,195 Kč265,038 Kč
2910,188 Kč129,420 Kč135,618 Kč
303,648 Kč135,618 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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