Calculate your monthly payments and check how much you can borrow in the Czech Republic — in English, in minutes.
These are estimates. Get a personalised offer from all major Czech banks.
Book Free ConsultationBased on a DSTI of 45% — the typical internal threshold used by Czech banks. Actual eligibility depends on your full financial profile.
Find out exactly what you qualify for — free, no obligation.
Book Free ConsultationThese calculations are for illustrative purposes only and do not constitute a binding offer or financial advice. Actual mortgage terms depend on your individual financial profile, the property, and the lender.
Repayment Schedule
How it works
Czech banks assess your application differently from home. Here's what matters most.
Czech banks internally monitor your Debt Service to Income ratio. As a guideline, keeping your total monthly loan repayments below 45% of net income is advisable. This is different from DTI, which applies mainly to 3+ investment properties.
Most Czech banks require 10–20% down payment. First-time buyers may qualify for higher LTV in some cases. The minimum is typically 10% (LTV 90%), though this varies by bank and applicant profile.
As independent advisors, we compare offers from Česká spořitelna, ČSOB, Komerční banka, UniCredit, Raiffeisenbank, Oberbank and mBank — so you get the best rate without visiting each bank separately.
The calculator uses standard annuity formulas and provides reliable estimates for monthly payments, total interest, and loan balance over time. However, actual mortgage offers depend on your credit profile, residency status, chosen bank, and property type. Use this tool for planning — then book a free consultation to get real offers from Czech banks.
DSTI (Debt Service to Income) is the ratio of your total monthly loan repayments to your net income. Czech banks internally monitor this — generally staying below 45% is advisable, though each bank sets its own threshold. As an expat, this is one of the key metrics that determines how much you can borrow.
Most Czech banks require a minimum down payment of 10–20% of the property value. For expats without permanent residency, some banks may require a higher deposit. A larger down payment improves your LTV ratio and often results in a better interest rate.
Mortgage rates in Czechia have stabilised after the 2022–2023 peak and are trending downward. In 2025–2026, well-qualified applicants can typically access rates of 4–5.5% per annum, depending on LTV, the fixed rate period, and the lender. Rates vary between banks — which is why comparing offers from multiple lenders is essential.