Czechia mortgage affordability calculator 2026
On CZK 45,000 net income a month, common bank DSTI practice lets you borrow roughly CZK 2,947,896 over 30 years (max. payment CZK 16,406.44). Enter your net income, existing commitments and age to see the exact maximum mortgage under the Czech ČNB limits.
Want to work out the monthly payment? Mortgage calculator – Czechia
Maximum loan amount: CZK 2,947,896
Maximum monthly payment: CZK 16,406 · Stressed interest rate: 7.32 %
| Limiting factor | |
|---|---|
| DSTI (payment / income) | CZK 2,947,896 |
| Maximum loan amount | CZK 2,947,896 |
This calculation is indicative. The only binding ČNB limit is LTV — the DSTI branch is based on simplified bank practice (45% of income, +2 percentage point stress), not a statutory limit.
How the maximum mortgage is calculated in Czechia
Since 2023/2024 the only binding ČNB limit is LTV — 80% of property value, 90% for applicants under 36 buying their own home. The ČNB scrapped its DTI and DSTI limits.
Banks still apply their own internal DSTI practice — the calculator indicatively uses a 45% income share and a +2 percentage point stress test, which is NOT an official ČNB limit, just common bank practice.
From 1 April 2026, investment mortgages (buying a third or further property, or a rental property) face a stricter 70% LTV and DTI 7 limit — this calculator covers only owner-occupier mortgages.
Examples: net monthly income → max. loan (single, no commitments, 30 years)
| Net monthly income | Max. loan amount |
|---|---|
| CZK 25,000 | CZK 1,637,720 |
| CZK 35,000 | CZK 2,292,808 |
| CZK 45,000 | CZK 2,947,896 |
| CZK 60,000 | CZK 3,930,528 |
| CZK 80,000 | CZK 5,240,704 |
| CZK 120,000 | CZK 7,861,056 |
Frequently asked questions
What limits apply to Czech mortgages in 2026?
The only binding ČNB limit is LTV: 80%, or 90% for applicants under 36 buying their own home.
Why does the calculator include DSTI if it's not a ČNB limit?
Even without a ČNB requirement, banks internally check that payments don't exceed roughly 45–50% of income.
What changes for investment mortgages from April 2026?
Buying a third or further property, or a rental property, faces a 70% LTV and DTI 7 limit from 1 April 2026.
How much can I borrow on CZK 25,000 income a month?
For a single applicant with no other commitments, a 5.32% rate and a 30-year term, the indicative maximum mortgage is CZK 1,637,720 under common bank DSTI practice (max. payment CZK 9,114.69).
How much can I borrow on CZK 35,000 income a month?
For a single applicant with no other commitments, a 5.32% rate and a 30-year term, the indicative maximum mortgage is CZK 2,292,808 (max. payment CZK 12,760.56).
How much can I borrow on CZK 60,000 income a month?
For a single applicant with no other commitments, a 5.32% rate and a 30-year term, the indicative maximum mortgage is CZK 3,930,528 (max. payment CZK 21,875.25).
How much can I borrow on CZK 50,000 income?
With no other commitments and a rate around 5.3%, the exact amount depends on your inputs — check the calculator.
Why does the bank offer a different amount than the calculator?
Banks have their own internal creditworthiness assessment, which can differ from the simplified 45% rule used here.
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Last updated: 18 July 2026