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Czech Mortgage Calculator 2026

Compare mortgage loans and calculate loan terms in the Czech Republic with the online Czech Mortgage Calculator from Pexpats.

Calculate your monthly installments by entering your home value, down payment, loan amount, loan term, and interest rate. You’ll also get your annual schedule for mortgage installments.

Mortgage Calculator

Enter your mortgage details to calculate payments in the Czech Republic

Please, clearly describe your situation or questions in detail.
The more information you provide, the quicker and more accurate our response will be.
We reply within the same day. If you do not receive a reply within a day, please check your spam folder.

Have Questions?

If you still have questions, find anything confusing, or haven't found what you're looking for, feel free to contact our agents. We're here to help.
Fill out the form below, describe your situation, and choose the relevant service type. Our agents will prioritize your request and suggest a solution.

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FAQs

What is the Czech Mortgage Calculator?

The Czech Mortgage Calculator helps you estimate mortgage payments and compare loan offers in the Czech Republic. It uses the same formulas Czech banks apply under ČNB lending rules to show realistic monthly and annual payments.

Verified with ČNB guidelines. Maintained by Pexpats — Czech Tax and Accounting Agency.

How to use the calculator

You can use the calculator to see how much a Czech mortgage would cost compared to renting.

For example, if you buy an apartment for CZK 2,500,000, use CZK 500,000 as your savings, and take a CZK 2,000,000 home loan at 4 % interest for 20 years.

Your monthly payment will be around CZK 12,120, which is less than renting for CZK 13,000 a month.

Verified with ČNB mortgage data. Maintained by Pexpats — Czech Tax and Accounting Agency.

How do I use the Czech Mortgage Calculator?

Enter your property value, down payment, loan amount, loan term, and interest rate. The calculator instantly shows your monthly payment, total interest, and overall mortgage cost.

How do I find a good mortgage?

The higher your creditworthiness, the lower the interest fee on your mortgage. Achieve this by increasing your income, lowering debts, or arranging the mortgage with a co-signer or guarantor. It might take time, but it can be worth it when finding the best mortgage rates in the Czech Republic.

How do I know if my mortgage is fair?

Generally speaking, Czech mortgage rates are likely to be fair if there are no additional insurance or administration fees attached. Feel free to research further, or ask us about Czech mortgage interest rates. We’ll ensure you are getting the best investment mortgage.

What is the maximum value loan I can receive?

Czech banks usually provide home loans at a maximum of 80% of the total value of the real estate. In some cases, banks might provide up to 90%, although this is in exceptional cases.

Can I get a mortgage with no savings?

No, unfortunately it is not possible to get a mortgage without savings. Applicants must have at least 10% of the value of the real estate they want to purchase. If this money is not available, applicants can guarantee the value with other real estate they own.

In which cases can I get a mortgage?

Many people take out Czech home loans or a home mortgage to buy a house in the Czech Republic. You can also take out a house mortgage for this purpose, or investment mortgages for investors to buy rental properties.

What interest rates can I get on a mortgage in the Czech Republic?

Explore interest rates and fixed mortgage rates quickly and easily thanks to our mortgage calculator. Calculate what you could pay each month, and get a better idea of Czech mortgage rates across the board.

Czech Republic

Slovakia

Compare mortgage loans and calculate loan terms in the Czech Republic with the online Czech Mortgage Calculator from Pexpats.

Calculate your monthly installments by entering your home value, down payment, loan amount, loan term, and interest rate. You’ll also get your annual schedule for mortgage installments.

Mortgage Calculator

Enter your mortgage details to calculate payments in the Czech Republic

Please, clearly describe your situation or questions in detail.

The more information you provide, the quicker and more accurate our response will be.

We reply within the same day. If you do not receive a reply within a day, please check your spam folder.

Have Questions?

If you still have questions, find anything confusing, or haven't found what you're looking for, feel free to contact our agents. We're here to help.Fill out the form below, describe your situation, and choose the relevant service type. Our agents will prioritize your request and suggest a solution.

Select Your Citizenship Status

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Mortgage Calculator

Life-Changing Stories from Our Happy Clients

Our reviews say it all! Hear real stories from freelancers, digital nomads, students, entrepreneurs, and expats—who found success with us.

The Czech Mortgage Calculator helps you estimate mortgage payments and compare loan offers in the Czech Republic. It uses the same formulas Czech banks apply under ČNB lending rules to show realistic monthly and annual payments.

Verified with ČNB guidelines. Maintained by Pexpats — Czech Tax and Accounting Agency.

You can use the calculator to see how much a Czech mortgage would cost compared to renting.

For example, if you buy an apartment for CZK 2,500,000, use CZK 500,000 as your savings, and take a CZK 2,000,000 home loan at 4 % interest for 20 years.

Your monthly payment will be around CZK 12,120, which is less than renting for CZK 13,000 a month.

Verified with ČNB mortgage data. Maintained by Pexpats — Czech Tax and Accounting Agency.

Enter your property value, down payment, loan amount, loan term, and interest rate. The calculator instantly shows your monthly payment, total interest, and overall mortgage cost.

The higher your creditworthiness, the lower the interest fee on your mortgage. Achieve this by increasing your income, lowering debts, or arranging the mortgage with a co-signer or guarantor. It might take time, but it can be worth it when finding the best mortgage rates in the Czech Republic.

Generally speaking, Czech mortgage rates are likely to be fair if there are no additional insurance or administration fees attached. Feel free to research further, or ask us about Czech mortgage interest rates. We’ll ensure you are getting the best investment mortgage.

Czech banks usually provide home loans at a maximum of 80% of the total value of the real estate. In some cases, banks might provide up to 90%, although this is in exceptional cases.

No, unfortunately it is not possible to get a mortgage without savings. Applicants must have at least 10% of the value of the real estate they want to purchase. If this money is not available, applicants can guarantee the value with other real estate they own.

Many people take out Czech home loans or a home mortgage to buy a house in the Czech Republic. You can also take out a house mortgage for this purpose, or investment mortgages for investors to buy rental properties.

Explore interest rates and fixed mortgage rates quickly and easily thanks to our mortgage calculator. Calculate what you could pay each month, and get a better idea of Czech mortgage rates across the board.