Mortgage parameters
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Want a more detailed calculation?
This calculator gives a quick answer. For a detailed breakdown — annuity formula, post-fixation scenarios, APR vs. nominal rate and month-by-month amortization schedule head to the detailed mortgage calculation.
How Czech mortgages work in 2026
A Czech bank lends at most 80 % of the property's value, or 90 % if one applicant is under 36. This LTV cap is the only binding ČNB limit. Under their own rules, banks also keep total debt payments to about 45 % of net income (50 % under 36). At the August 2026 average rate on new mortgages, 5.00 % (ČBA), CZK 4,000,000 over 25 years costs CZK 23,384 a month.
The market in October 2026
Data as of 9 Oct 2026| Average rate on new mortgagesČBA Hypomonitor, August 2026 (September data due ~15 Oct) | 5.00 % | +0.10 pp m/m |
|---|---|---|
| Banks' offered ratesSwiss Life Hypoindex, October 2026 | 5.79 % | +0.37 pp since August |
| ČNB 2W repo ratesince 19 Jun 2026, held 17 Sep; next meeting 5 Nov | 3.75 % | unchanged |
| Inflation (y/y)CZSO, August 2026 (September due 10 Oct) | 1.9 % | +0.2 pp |
| Average mortgage sizeČBA Hypomonitor, August 2026 | CZK 4.59m | record high |
| New mortgage volumeČBA Hypomonitor, August 2026 | CZK 34.5bn | −13 % m/m |
| Sources: ČBA Hypomonitor (16 Sep 2026), Swiss Life Hypoindex (7 Oct 2026), ČNB (17 Sep 2026), CZSO (10 Sep 2026). The calculators above use the current ČBA average rate. | ||
| In detail: Czech mortgage rates, October 2026 · Czech mortgages in October 2026 · Czech mortgage market data | ||
Rates keep rising. The low was in March (4.43 %); in August the average rate on new mortgages reached a flat 5 %, and the October Hypoindex of offered rates jumped to 5.79 %. Banks are raising longer fixations most, and in October the one-year fix became the cheapest. Česká spořitelna raised most fixations by 0.3 pp from 11 Sep; Moneta cut from 10 Sep (from 4.59 % with a one-year fix). The ČNB holds the repo rate at 3.75 % and has not ruled out another hike on 5 Nov.
What it means in practice: on a CZK 4m, 25-year mortgage (annuity repayment) the payment at 5 % is about CZK 1,300 a month higher than at March's 4.43 % (CZK 23,384 instead of 22,075); at 5.8 %, roughly October's Hypoindex, it is about CZK 3,200 higher (CZK 25,285). If your fixation ends within six months, talk to your bank now — a short fixation can paradoxically be the cheaper offer today. Refinancing only pays if your current rate is above ~5.8 % (fixations from 2022–2023).
Regulation: the ČNB enforces a single binding limit — LTV 80 % (90 % under 36). DSTI and DTI limits have been deactivated since 2023/2024, though banks keep their own thresholds around 45–50 % DSTI. From 1 April 2026 the ČNB recommends stricter LTV 70 % and DTI 7 for investment mortgages.
Everything for a smart decision.
Mortgage calculator
Calculate the monthly payment, total interest, and see how the loan amortizes over time. Including post-fixation scenarios.
DetailsCompare two mortgages
Put two offers side by side and see which is cheaper — including the state of both mortgages in any given year.
CompareEarly repayment
An extra payment now saves tens of thousands on interest. Calculate your exact savings and term reduction.
Calculate savingsHow much can I borrow?
Enter your income and see the maximum mortgage based on the ČNB's LTV limit and banks' usual thresholds for 2026.
Find your maximumBuy vs. rent
Should you buy or keep renting? Compares total costs and factors in property appreciation.
CompareRefinancing
Is it worth moving to another bank? Work out the saving from a lower rate, with the fees counted in.
CalculateRental yield
Quickly see gross and net yield from renting out your property. Just 4 numbers.
Calculate yieldInvestment property
Full calculator with mortgage, taxes, and exit after N years. IRR, ROI, cash flow.
Detailed calculationProperty sale
Concrete net proceeds after N years — with market growth, taxes, mortgage payoff.
See proceedsProperty ROI & IRR
Professional financial metrics for serious investors: IRR, NPV, ROI, payback period.
Financial analysisBlog & guides
Practical articles: how to choose a mortgage, refinancing step by step, end of fixation, ČNB limits and more.
Read articlesWhat's happening in the mortgage market?
Current data from ČNB and the ČBA Hypomonitor. The past 24 months.
Mortgage calculator for the Czech Republic — everything in one place
This mortgage calculator shows your monthly payment, total interest, and how the loan amortizes — for any property in the Czech Republic. Enter four numbers and the result updates instantly. No registration, no email required, no broker calls.
For a deeper breakdown — the annuity formula, principal vs. interest split, post-fixation scenarios — see our step-by-step mortgage calculation guide.
Choosing a mortgage in the Czech Republic in 2026
The average rate on new Czech mortgages is around 5.00 %, with the Czech National Bank (ČNB) holding its 2T repo rate at 3.75 %. When evaluating an offer, focus on:
- Interest rate — drives both the monthly payment and total interest paid
- Fixation period — short (1–3 years) is flexible, long (7–10 years) protects from rate hikes
- LTV (Loan-to-Value) — ideally 80 % or less; under-36s can go up to 90 %
- RPSN — total annual cost including fees; always higher than the headline rate
ČNB rules in 2026
The Czech National Bank enforces one binding limit for owner-occupied mortgages: LTV max. 80 % (90 % for under-36s). It deactivated DSTI and DTI on 1 July 2023 and 1 January 2024, but banks keep their own internal thresholds, typically DSTI 45 % (50 % for under-36s) and DTI 8.5× (9.5× for under-36s). Check what you actually qualify for in our affordability calculator.
Why we built hypoteky.com
Almost every Czech mortgage calculator wants your email or phone before showing the result. Pages are buried under banners, broker pop-ups, and affiliate links. When even we couldn't quickly calculate our own mortgage, we built the tool that was missing. Simple, clean, no ads, no data collection.
What people ask most
What is the current average mortgage rate in Czech Republic?
According to the ČBA Hypomonitor, the average rate on new Czech mortgages reached 5.00 % in August 2026, after rising five months in a row from 4.43 % in March. Banks individually offer rates mostly between 4.7 and 5.8 % depending on borrower profile, LTV and fixation period; ten-year fixations average 6.35 % (Swiss Life Hypoindex, October 2026).
Do you collect any contact data from users?
No. This calculator runs entirely in your browser. We don't ask for your email, phone, or any other identifying information. We don't sell leads to banks or brokers. Your inputs never leave your device.
Which fixation period is best?
It depends on how big a rise in your payment you could carry. In October 2026 the one-year fixation is the cheapest according to Swiss Life Hypoindex (5.42 % at LTV up to 80 %), with three years averaging 5.53 %, five years 5.84 % and ten years 6.35 %. A short fixation saves money unless rates rise sharply; a longer one buys a predictable payment. On a tight budget lean towards the longer fixation, with a cash reserve the shorter one.
Is early mortgage repayment worth it?
Usually yes: CZK 300,000 paid after 5 years into a CZK 4,000,000 mortgage over 25 years at 5.00 % saves about CZK 460,000 in interest. By Czech law you can repay free of charge at the end of each fixed-rate period (and within 3 months of being told the new rate), and every year up to 25 % of the original loan amount if you pay it within the month before the contract anniversary. Outside these windows the bank may charge at most 0.25 % of the amount repaid for each started year left in the fixed period, 1 % in total.
What are LTV, DTI, and DSTI?
LTV (loan to value): the loan as a share of the bank's property valuation. DTI (debt to income) compares total debt with annual net income. DSTI (debt service to income) is the share of monthly net income that goes on all loan payments. The ČNB enforces one binding ceiling: LTV ≤ 80 % (90 % for under-36s). DSTI ≤ 45 % (50 %) and DTI ≤ 8.5× (9.5×) are typical internal bank thresholds; the ČNB deactivated them as binding limits in 2023–2024.
Can I send my calculation to a broker or bank?
Yes — every change to the inputs updates the URL. Just click "Share my calculation" to copy a link with your exact parameters. The recipient sees the same numbers you do.