Net monthly income (čistý měsíční příjem)
Income after income tax and social and health insurance contributions, in other words the amount that actually reaches your account. The bank uses it to work out what payment you can carry. For employees it is usually an average of the last 3–6 months; for the self-employed (OSVČ) it comes from tax returns for 1–2 years. Each bank treats parental allowance, rent and income from short-term work agreements differently.
Example
With a net income of CZK 60,000 a month and the banks' usual internal threshold of 45 %, payments on all loans together can reach roughly CZK 27,000. At 5.00 % over 30 years, that corresponds to a mortgage of about CZK 5.0 m. For an applicant under 36, where the bank allows 50 %, the payment could go up to CZK 30,000.
In practice
Employees prove income with a confirmation from their employer or with statements from the account their salary goes to. Banks count the regular amount: bonuses often only in part, cash wages without paperwork not at all. For the self-employed on flat-rate expenses, net income on the tax return comes out low, so some banks work with a share of turnover instead. Never put your gross salary on the application. Which income counts and how much it buys is set out in how banks count your income.
How it differs
Gross pay still includes tax and contributions, and the bank does not use it when assessing creditworthiness. DSTI compares net monthly income with repayments, while DTI sets total debt against net annual income. The subsistence minimum works the other way: the bank deducts it from net income as essential household spending.
Frequently asked questions
What counts as net monthly income?
Income after income tax and social and health insurance: the amount that reaches your account. Banks usually average an employee's last 3–6 months and take a self-employed person's figure from 1–2 tax returns.
Which income does the bank use for a mortgage?
Regular income it can verify: salary from a contract outside the trial period, business income from tax returns, and at some banks part of rent or parental allowance. Bonuses often count only in part, and cash pay without paperwork not at all.
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