Housing and budget

Mortgage calculator

What will you pay each month, how much goes to interest and what is left for living? Set up your own scenario and follow the loan as it is repaid.

01 / Your home

Property and funding

Property purchase priceKč Your deposit towards the purchaseKč

Loan = purchase price − deposit. Purchase expenses are excluded.

02 / Mortgage

Your repayment plan

Annual interest rate% p. a.4.5% is an illustrative example. Enter your quoted interest rate, not APR. Repayment termyears Initial fixed-rate periodyears Extra repayment each monthKč

The model shortens the term while keeping the regular instalment unchanged. Early repayment fees and contractual limits are excluded.

03 / Optional

Your monthly budget

Household take-home income / monthKčOptional. Total income after taxes and contributions. Other living costs / monthKčExclude this mortgage payment. Include utilities, food, transport and other commitments; include rent only if you will still pay it.

Monthly mortgage outflow — Includes your extra repayment. The final payment may differ.

Regular monthly instalment—

Loan amount—

Loan / purchase price (LTV)—

Mortgage repaid in—

Total interest—

Total paid to the lender—

Balance at end of fixed period—

Including your deposit—

Loan principalInterest

Your monthly budget

Left after repayments and living costs—

Payment including extras / income—

Annual repayment schedule

Totals by year from the start of the loan. The final year may contain fewer than 12 payments. Displayed amounts are rounded to whole crowns.

Year	Paid	Principal repaid	Interest paid	Outstanding

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Illustrative annuity model with monthly payments and the same interest rate for the entire term, including after the initial fixed-rate period. Your actual rate may then change. Interest and payments are calculated to the nearest haléř and the final payment settles the balance. Fees, insurance, purchase expenses and tax effects are excluded. LTV uses your entered purchase price; a lender may use a different valuation. This is neither a loan offer nor an approval assessment. Czech National Bank: what APR includes (Czech).