Mortgage Calculator
Compare mortgage payments by loan amount, interest rate, and term, including total interest paid.
LTV: 80,0 % · Min. equity for CNB limit: 1 000 000 Kč
Interest rate mode
Recommended: enter the rate from your individual bank offer. The CNB benchmark is only an indicative market average.
Monthly payment
23 852 Kč
Total paid
7 155 618 Kč
Total interest
3 155 618 Kč
LTV
80,0 %
Min. equity (CNB)
1 000 000 Kč
Balance after fixation
3 554 417 Kč
Interest during fixation
985 541 Kč
Principal during fixation
445 583 Kč
Post-fixation scenarios
| Scenario | New payment | Difference |
|---|---|---|
| -1.00 p.b. (4.20 %) | 21 916 Kč | -1 937 Kč |
| Same rate | 23 852 Kč | +0 Kč |
| +1.00 p.b. (6.20 %) | 25 877 Kč | +2 025 Kč |
| +2.00 p.b. (7.20 %) | 27 986 Kč | +4 134 Kč |
Amortization schedule (yearly)
Source: Czech National Bank (ČNB)
Verified: 2026-08-09
Indicative annuity payment. Prefer a custom rate; public bank rates are shown only when reliably available. This is not financial advice.
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Methodology
The monthly payment uses the annuity formula: each month you pay the same amount, with interest on the remaining balance paid first and the rest reducing principal.
Example
Loan 3,000,000 CZK, rate 5.5% p.a., 25 years: payment about 18,400 CZK/month, total interest over 2.5M CZK.