Your family situation
Are you applying alone, or together with someone? The bank evaluates the income of all applicants.
Your age
Applicants under 36 get looser ČNB limits (LTV 90% instead of 80%; DSTI and DTI are no longer enforced by the ČNB — banks use them internally and are usually more lenient with younger applicants).
Net monthly income
Sum of net monthly income of all applicants. Employees: net wage after tax and contributions. Self-employed: typically average of last 1–2 years.
Existing loan payments
Monthly payments of existing loans — consumer, credit cards, leases, overdraft. This counts towards DSTI.
Own funds
How much have you saved as own funds? The bank lends max 80% of appraisal value (90% for applicants under 36).
Property price
How much does the property cost? If you don't have a specific one yet, enter approximate price for orientation.
Your first mortgage
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What to do next — step by step
What are the mortgage requirements in Czechia in 2026?
A Czech bank lends at most 80 % of the property's value, or 90 % if one applicant is under 36: that LTV cap is the only binding ČNB rule. Banks add their own limits, usually debt payments up to 45 % of net income (50 % under 36) and total debt of 8–9.5 times annual income. They also want stable income for several months, an age that fits the term and, from non-EU citizens, residence in Czechia.
How the three ratios work together is in DSTI, DTI and LTV explained. Some banks also give applicants under 36 a rate discount.
How much deposit do I need?
At least 20 % of the property's value from your own money, or 10 % if one applicant is under 36. On a CZK 5,000,000 flat that is CZK 1,000,000, or CZK 500,000 under 36. The bank counts from its own valuation, not the price, so a valuation below the price raises your share.
The costs come on top: the valuation at CZK 3,000–6,000 and the CZK 2,000 fee for registering the bank's lien. How to put the deposit together is in mortgage deposit, and what the banks themselves charge in mortgage fees.
What income do Czech banks want?
Enough for all your loan payments to stay within the bank's internal limit, usually 45 % of net income or 50 % under 36. These are bank rules, not law. On CZK 60,000 net that means a payment of about CZK 27,000, or a loan of about CZK 5.0 million over 30 years at 5.00 %.
Employees prove income with an employer's confirmation or 3–6 payslips, and most banks will not count income during a trial period. The self-employed (OSVČ) are assessed from their last 1–2 tax returns, a company director (jednatel) from salary, remuneration or profit share. Try your own figures in how much can I borrow; which income counts and what is deducted is in how Czech banks count your income.
Up to what age can I get a mortgage?
No law sets an age limit: each bank sets its own maximum age at the end of the term. The older you are, the shorter the term the bank offers and the higher the payment, so ask for the limit before you choose the term. The options for older buyers are in mortgage for over-50s.
What documents do I need?
Two identity documents, proof of income and papers on the property. Employees bring an income confirmation or 3–6 payslips, the self-employed 1–2 tax returns. For the property: the purchase or reservation agreement, a title-sheet extract (list vlastnictví), the valuation and buildings insurance assigned to the bank (vinkulace); for construction also the building permit, budget and plans. The full checklist is in documents for a mortgage.
Which property can I buy with a mortgage?
A flat, a house or a building plot that is registered in the land registry and can carry the bank's lien. A cooperative flat (družstevní byt) belongs to the cooperative, so the bank wants another property as collateral; the routes are in mortgage for a cooperative flat and, for a plot, in mortgage for land. For a small renovation, compare a mortgage or consumer loan first.
How long does it take?
About 2–4 weeks from complete documents to approval; a pre-approval comes within days. After signing, the land registry may register the bank's lien no earlier than 20 days after it notifies the owner, and most banks pay out once the lien application is on file. The steps are in how long a mortgage takes.
Are the requirements different for foreigners?
EU citizens borrow on the same terms as Czechs. Citizens of other countries need permanent residence, or long-term residence with an address and income in Czechia, and banks often cap them at LTV 70–80 %. Only a few banks lend to holders of temporary protection from Ukraine. The rules are in mortgage for foreigners.
What should I read before I apply?
Three guides save the most money at this stage: how to choose a mortgage by comparing offers in koruna, whether to go through a mortgage broker or bank, and the common mortgage mistakes that cost first-time buyers the most.