How Much Mortgage Can I Afford
Estimate a maximum mortgage from income, expenses, and DTI for a realistic budget.
Max monthly payment
16 000 Kč
Max mortgage amount
2 980 506 Kč
Mathematical estimate from income and payment ratio — not a bank approval or regulatory DTI/DSTI assessment.
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Methodology
Max payment = net income × ratio − other debts; max loan = inverted annuity. Mathematical estimate, not bank approval or DTI regulation.
Example: Income 40,000 CZK, ratio 0.4, no debts, 5%, 30 years → max payment 16,000 CZK and matching principal
Methodology
Maximum payment derives from income minus expenses and DTI limit (payment-to-income ratio).
Example
Net income 50,000 CZK, expenses 20,000, DTI 40% → max payment about 12,000 CZK.