Mortgage Calculator

Compare mortgage loans and calculate loan terms in the Czech Republic with an online Czech Mortgage Calculator from Pexpats. Calculate your monthly installments by filling in your home value, down payment, loan amount,  loan term & interest rate. You will also get your annual schedule for mortgage installments.

Mortgage Calculator

Input mortgage details to calculate monthly payments











Other free calculators you might like

Parental Leave Calculator

Calculate parental leave benefits based on your monthly income and planned monthly installments.

Paid Holiday Calculator

Calculate exactly how many hours paid holiday entitlement you receive in the Czech Republic.

Trade License Tax Return Calculator

Calculate net income after taxes on main income, secondary income, student income, or maternity income on a self-employed trade license.

Maternity Pay Calculator

Get an estimate of how much pay you could receive in the Czech Republic while you’re on maternity leave!

Crypto & Capital Gains Calculator

Estimate income tax on crypto earnings and capital gains in the Czech Republic.

Side Job Tax Calculator

Determine your taxable income when earning as both an employee and a self-employed freelancer in the Czech Republic.

Freelance Payment Calculator

See what you’ll pay for your social and health insurance and income tax with this quick calculator!

Mortgage Calculator

Find out how much your monthly mortgage payments could be on your Czech home!

Net Salary Calculator

Find out your clean salary, tax relief and insurance payments in moments with our easy-to-use calculator!

Content Creator Tax Calculator

Calculate personal income taxes from freelance or hobby income as a content creator.

VAT Payment Calculator

Determine the amount of VAT to add to your invoice with our VAT payment calculator for Czech-based freelancers

Employee Tax Return Calculator

Calculate if filing an employee tax return will be advantageous financially versus required by tax laws in the Czech Republic.

Rental Income Calculator

Calculate how much annual rental income you can receive in the Czech Republic.

Employment Contract Calculator

Calculate what’s best for you: working on a full-time employment contract or freelancing on a Czech trade license.

The Czech National Bank (CNB) does not set any limits on interest fees or installments according to an applicant’s income. There is only one rule. The mortgage must cover a maximum of 90% on the total price of the real estate you want to purchase. Use this online mortgage calculator to compare rates and better understand what you might pay on a Czech home loan.
Our calculator will help you better understand & compare the cost of renting versus buying real estate in the Czech Republic. For example, imagine you are considering buying an apartment for CZK 2,500,000. Of this amount, you have CZK 500,000 in savings, and you intend to take out a Czech home loan for the rest. 
The amount of the loan will be CZK 2,000,000 at an interest rate of 4% over a term of 20 years. At this point, we can calculate how much you will need to pay in monthly installments on a mortgage loan. We can then compare this with current rental payments, which we will say are CZK 13,000. Let’s calculate:
  • The loan amount is CZK 2,000,000
  • Interest rates will be 4%
  • The repayment period is at 20 years
  • There are 12 payments per year
  • Monthly mortgage installments will be CZK 12,119.6 – less than the cost of renting
The Czech National Bank holds that an applicant’s debt must not be more than eight times their annual net income. Further, monthly loan repayments must not exceed 40% of the applicant’s monthly net income. From here, the next step is finding the best mortgage rates in the Czech Republic for your individual case.
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.

Get in Touch

Please fill the form as accurate as possible, our team is ready to help you make your stay in the Czech Republic a breeze!

Select Your
Citizenship Status
PraguePexpats logo

google stars

“Take charge of your life and time. Use them!”

google stars

“Highly worth the money”

google stars

“I’d call it: Making complicated things easy”

google stars
google stars
google stars
google stars



Our client testimonials speak for themselves, with their success stories the driving force behind our vision of Pexpats.Scan the long list of satisfied clients ahead to see how Pexpats’ can assist.


The proof is in the stars! Join countless success stories of expats who we’ve helped to accurately and quickly file taxes, or to resolve complex legal issues.

  • proof
  • proof
  • proof
  • proof
  • proof

Got Lost?

Pexpats is here today and ready to ease you into life abroad. Find immediate assistance for your expat needs, from freelancing to reporting taxes and legal affairs.

Your own positive testimonial could soon grace our review page!