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Czechia · CZK

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HomeCalc

Mortgage calculator for Czechia

See what you pay each month, and how the payment moves when the rate changes.

No local legal figures for Czechia

HomeCalc has no data on fees, taxes or lending limits in Czechia. The loan maths and CZK formatting still work. Every fee starts at 0: enter your own, then check them with your lender or a local adviser.

Your loan

Example values: replace them with your own.

CZK
CZK
20% of the price · Loan CZK 5,120,000.00
years
240 months
Interest rates
%
months
%
Base rate plus margin, as your bank quotes it
Repayment method

The same payment every month within each rate period

Prepayment
CZK
%
Default in month 24: 0% of the amount prepaid. Change it to match your loan contract.
After prepaying

Results

Monthly payment

CZK 33,789.73

Czechia · CZK · Basic: fees entered by you

Highest payment
CZK 33,791.26
Total interest
CZK 2,989,536.73
Total paidPrincipal plus interest
CZK 8,109,536.73

Note

HomeCalc works out the loan and adds up the fees you enter. It provides no legal figures for Czechia: no fees, taxes or lending limits. It is not financial, legal or tax advice. Before you decide, check every figure with your lender or a licensed adviser in Czechia. This site never stores the numbers you enter; they live only in the page address.

The monthly rate is the annual rate spread evenly over the months; amounts are rounded to the smallest unit of CZK. Lenders in Czechia may work out interest differently.

The link carries only the numbers you entered. The site keeps no copy of them.

Next: home-buying costs

Interest and principal by year

  • Interest
  • Principal
  • Monthly payment
Interest and principal by yearStacked bars for 20 years showing interest and principal paid each year, with a line for the monthly payment, starting at CZK 33,789.73. Exact figures are in the schedule table.Year 1: interest CZK 252,526.46, principal CZK 152,950.30Year 2: interest CZK 244,701.23, principal CZK 160,775.53Year 3: interest CZK 236,475.65, principal CZK 169,001.11Year 4: interest CZK 227,829.25, principal CZK 177,647.51Year 5: interest CZK 218,740.46, principal CZK 186,736.30Year 6: interest CZK 209,186.69, principal CZK 196,290.07Year 7: interest CZK 199,144.09, principal CZK 206,332.67Year 8: interest CZK 188,587.72, principal CZK 216,889.04Year 9: interest CZK 177,491.27, principal CZK 227,985.49Year 10: interest CZK 165,827.08, principal CZK 239,649.68Year 11: interest CZK 153,566.18, principal CZK 251,910.58Year 12: interest CZK 140,677.94, principal CZK 264,798.82Year 13: interest CZK 127,130.35, principal CZK 278,346.41Year 14: interest CZK 112,889.60, principal CZK 292,587.16Year 15: interest CZK 97,920.30, principal CZK 307,556.46Year 16: interest CZK 82,185.14, principal CZK 323,291.62Year 17: interest CZK 65,644.90, principal CZK 339,831.86Year 18: interest CZK 48,258.45, principal CZK 357,218.31Year 19: interest CZK 29,982.48, principal CZK 375,494.28Year 20: interest CZK 10,771.49, principal CZK 394,706.80per yearper month150,000300,000450,000600,00015,00030,00045,000Year 55Year 1010Year 1515Year 2020

Year

Show what happens if rates rise

If the floating rate rises

The promotional period stays the same; only the floating rate goes up.

Show yearly schedule

Yearly schedule

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