Czechia mortgage calculator 2026
A CZK 3,500,000 mortgage in Czechia over 30 years at 5.32% works out to a monthly payment of CZK 19,479, with CZK 3,512,494 paid in total interest. Enter the loan amount, interest rate and term to see the monthly payment under the Czech mortgage market.
Not sure how much the bank will lend you? Mortgage affordability – Czechia
Monthly payment: CZK 19,479
Total paid: CZK 7,012,494 · Total interest: CZK 3,512,494
Amortisation schedule
| Year | Interest | Principal | Balance |
|---|---|---|---|
| 1 | CZK 185,023 | CZK 48,727 | CZK 3,451,273 |
| 2 | CZK 182,367 | CZK 51,383 | CZK 3,399,890 |
| 3 | CZK 179,566 | CZK 54,184 | CZK 3,345,706 |
| 4 | CZK 176,612 | CZK 57,138 | CZK 3,288,568 |
| 5 | CZK 173,497 | CZK 60,253 | CZK 3,228,315 |
| 6 | CZK 170,212 | CZK 63,538 | CZK 3,164,777 |
| 7 | CZK 166,748 | CZK 67,002 | CZK 3,097,775 |
| 8 | CZK 163,095 | CZK 70,655 | CZK 3,027,120 |
| 9 | CZK 159,243 | CZK 74,506 | CZK 2,952,614 |
| 10 | CZK 155,182 | CZK 78,568 | CZK 2,874,045 |
| … | |||
| 30 | CZK 6,599 | CZK 227,147 | CZK 0 |
Bank rate comparison — Market average: 5.32 % (2026-07)
| Bank | Interest rate | Fixed period | Monthly payment |
|---|---|---|---|
| Fio banka | 4.58 % | 3 years | CZK 17,901 |
| Air Bank | 4.79 % | 3 years | CZK 18,342 |
| Raiffeisenbank | 4.84 % | 3 years | CZK 18,448 |
| Česká spořitelna | 4.94 % | 3 years | CZK 18,661 |
| Moneta Money Bank | 4.99 % | 3 years | CZK 18,767 |
| ČSOB | 5.09 % | 3 years | CZK 18,982 |
| UniCredit Bank | 5.19 % | 3 years | CZK 19,197 |
| Komerční banka | 5.24 % | 3 years | CZK 19,305 |
| mBank | 5.29 % | 3 years | CZK 19,414 |
This calculation is indicative only. Bank rates are a snapshot as of the date shown. It does not replace a binding bank offer.
How a Czech mortgage payment is calculated
A mortgage is repaid on an annuity basis — the payment stays constant during the fixed-rate period, only the interest/principal split changes.
M = P × i / (1 − (1 + i)⁻ⁿ), where P is the loan amount, i is the monthly rate (annual rate / 12) and n is the number of payments (years × 12).
Total interest is the difference between the sum of all payments and the original loan amount.
The calculator also compares current offers from Czech banks.
Examples: loan amount → monthly payment (default rate, 30 years)
| Loan amount | Monthly payment |
|---|---|
| CZK 1,500,000 | CZK 8,348 |
| CZK 2,500,000 | CZK 13,914 |
| CZK 3,500,000 | CZK 19,479 |
| CZK 5,000,000 | CZK 27,827 |
| CZK 7,000,000 | CZK 38,958 |
| CZK 10,000,000 | CZK 55,655 |
Frequently asked questions
What is the monthly payment on a CZK 2,500,000 mortgage in Czechia over 30 years?
At a rate of 5.32% over 30 years, the monthly payment is CZK 13,914.
What is the monthly payment on a CZK 5,000,000 mortgage in Czechia over 30 years?
At a rate of 5.32% over 30 years, the monthly payment is CZK 27,827.
What is the monthly payment on a CZK 7,000,000 mortgage in Czechia over 30 years?
At a rate of 5.32% over 30 years, the monthly payment is CZK 38,958.
How much total interest do I pay on a CZK 3,500,000 mortgage in Czechia?
On a CZK 3,500,000 mortgage over 30 years at 5.32%, you'll pay CZK 3,512,494 in total interest.
How is the monthly mortgage payment calculated?
On an annuity basis, using M = P × i / (1 − (1+i)⁻ⁿ).
What is total interest?
The difference between the sum of all payments and the original loan amount.
Why do bank rates differ from the calculator?
The rates are a snapshot as of the date shown, typically at up to 80% LTV. The actual offer depends on creditworthiness.
What does a fixed-rate period mean?
The period during which the rate doesn't change (e.g. 3 or 5 years).
How much can I borrow on my income?
That's answered by the separate mortgage affordability calculator, applying the Czech ČNB limit (LTV) and common bank practice (DSTI).
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Last updated: 18 July 2026