How Much Can I Borrow in the Czech Republic?
Enter your net income, your savings and the interest rate you expect: you'll see roughly how much the bank will lend you, the maximum property price and whether your income or your savings limit you.
General values (Czechia). They don't account for regional rules or other costs that may apply. Check them with your lender or advisor.
More options
Enter your income, savings, interest rate and term.
A rough estimate with a fixed payment. Lenders will also look at your other debts and job stability.
Work out the mortgage for this home →Results are estimates. Solvemis accepts no responsibility for the results obtained or for how they are used. Always double-check the result and talk to a qualified professional before making decisions.
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How it works
How to use it
- Enter your net monthly income and the savings you have available.
- Add the interest rate you expect and the term.
- Check the values for the Czech Republic and adjust them if needed.
- See the maximum price, the breakdown and the limit that applies.
How it is calculated
Two prices are calculated and the lower one applies. By income: the mortgage whose payment matches the chosen share of income, plus savings, minus buying costs. By savings: the price at which your savings exactly cover the part that isn't financed and the costs. The percentages are general values for the Czech Republic. A second applicant's income is added to yours; other debt payments count the way the country's rule counts them.
Sources
- Stanovení horní hranice úvěrových ukazatelů LTV, DSTI a DTI — Czech National Bank
- DSTI (debt service to income), limit, jak se počítá — Peníze.cz
- Koupě nemovitosti: Na které poplatky se připravit? — Banky.cz
About this calculator
How it’s calculated
Buying a home has two limits at once. The first is the payment: since 1 July 2023 the Czech National Bank no longer applies a binding DSTI limit and banks set their own; the central bank recommends great caution above 40% of net income, so the calculator uses 40%. The second is savings: the bank finances at most 80% of the price, and you pay the rest and the buying costs yourself. The calculator works out the price for each limit and picks the lower one.
What Czech banks look at
Besides the payment-to-income ratio, the bank assesses your other loans, your records in debtor registers and your job stability. For applicants under 36 it can finance up to 90% of the price.
Buying costs in the Czech Republic
The property acquisition tax has been abolished. Buyers mainly pay the land registry fee (CZK 2,000, or CZK 1,600 when filed online), the valuation and drawing up the contract, and possibly escrow for the purchase price. The 1% filled in is a general value: check it with your bank or adviser.
Frequently asked questions
What decides what property I can afford?
Two things at once: your income sets the highest payment and your savings have to cover your own funds and the buying costs. The calculator compares both limits and shows which one applies.
How much of my own funds do I need?
The Czech National Bank sets an upper LTV limit of 80%, so you need at least 20% of the price; applicants under 36 can have an LTV of up to 90%. Buying costs are paid on top.
Net or gross income?
Banks in the Czech Republic assess net monthly income. If you're buying as a couple, add both incomes together.
What if we buy as a couple, or I already pay other loans?
Under «More options» you can add the second applicant's income, which is added to yours, and what you already pay each month for other loans, cards or leasing. In Czechia, the share of income covers all your debts, so those payments come off what is left for the mortgage.
Updated 14 October 2026
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