6 steps

First mortgage guide

6 simple questions to get a personalized plan: how much you can borrow, what to prepare, what comes next.

Step 1 of 6 Family situation
Step 1 of 6

Your family situation

Are you applying alone, or together with someone? The bank evaluates the income of all applicants.

For married couples with joint marital property, the mortgage is always joint. Unmarried partners are co-owners by share.
Step 2 of 6

Your age

Applicants under 36 get looser ČNB limits (LTV 90% instead of 80%, DSTI 50% instead of 45%, DTI 9.5× instead of 8.5×).

For joint applications, the younger applicant counts. Some banks also offer rate discounts for clients under 36.
Step 3 of 6

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.

The bank wants to see stable income for the past 3–6 months (employees) or 1–2 years (self-employed).
Step 4 of 6

Existing loan payments

Monthly payments of existing loans — consumer, credit cards, leases, overdraft. This counts towards DSTI.

If none, leave 0. The bank checks BRKI registry — hiding debt means automatic rejection.
Step 5 of 6

Own funds

How much have you saved as own funds? The bank lends max 80% of appraisal value (90% for applicants under 36).

Including savings, sale of other property, gifts from parents, building savings. Plus reserve 200–300k for fees (appraisal, tax, lawyer).
Step 6 of 6

Property price

How much does the property cost? If you don't have a specific one yet, enter approximate price for orientation.

The bank lends maximum based on appraisal — not purchase price. If you buy below market, bank lends per appraisal.
Your plan

Your first mortgage

Personalized plan based on your data. We don't store anything — everything stays in your browser.

Maximum mortgage
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Monthly payment
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LTV
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DSTI
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