Czech Republic Mortgage Calculator 2026
Turn a Czech purchase price, akontace and the bank's smluvní úroková sazba into a constant koruna monthly splátka.
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Frequently Asked Questions
Clear answers to common questions to help you use this calculator confidently.
Is the ČNB repo rate used as the sazba?
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Is the ČNB repo rate used as the sazba?
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No. Banks add a margin and choose a fixace. Type the smluvní úroková sazba.
Does a 90% first-home LTV exception change the formula?
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Does a 90% first-home LTV exception change the formula?
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It may change whether a bank grants the loan. It does not change the annuity on a given jistina.
Are katastrální poplatky included?
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Are katastrální poplatky included?
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Land-registry and notary invoices depend on the deed and stay omitted.
Is the term box the fixace or the full splatnost?
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Is the term box the fixace or the full splatnost?
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Use the full contractual splatnost in years. The sazba is whatever applies in the window you are inspecting.
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