Czechia mortgage affordability calculator 2026
Enter your net income, existing commitments and age to see the maximum mortgage under the Czech ČNB limits.
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 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