Czechia mortgage calculator 2026
Enter the loan amount, interest rate and term to see the monthly payment under the Czech mortgage market.
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 |
|---|---|---|---|
| Moneta Money Bank | 4.39 % | 5 years | CZK 17,506 |
| Fio banka | 4.58 % | 5 years | CZK 17,901 |
| Air Bank | 4.69 % | 5 years | CZK 18,131 |
| Raiffeisenbank | 4.89 % | 5 years | CZK 18,554 |
| Česká spořitelna | 4.94 % | 5 years | CZK 18,661 |
| UniCredit Bank | 5.09 % | 5 years | CZK 18,982 |
| ČSOB | 5.09 % | 5 years | CZK 18,982 |
| Komerční banka | 5.14 % | 5 years | CZK 19,089 |
| mBank | 5.29 % | 5 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
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