Start your Czech mortgage journey with our all-in-one mortgage calculator. Whether you're applying for a New Mortgage, checking how much you can borrow with our Maximum Mortgage tool, comparing monthly rent to mortgage payments, or simulating different interest rates - our calculator helps you make informed decisions easily.
The total sum repaid to the bank, including principal, interest, and insurance.
CZK
Interest rate
The rate at which the bank charges for borrowing funds.
%
RPSN
The RPSN (Roční procentní sazba nákladů) provides an annual illustration of the percentage rate of costs, showing the yearly percentage of the total amount owed. This covers installments, administrative charges, and additional costs associated with the loan. Please note that actual RPSN may vary among banks due to different additional expenses.
%
Insurance payment
The amount paid each month for insurance coverage.
CZK
Monthly payment
CZK
Our calculator provides mathematically precise estimations. Final terms will be specified in your loan agreement.
Net monthly income
For incomes over 500,000 CZK, please contact us for a personalized calculation.
Monthly loan payments
Include all regular monthly loan payments - such as mortgage, personal loans, leasing, etc.
Maximum mortgage you may be eligible for
Based on a 30-year mortgage term, your income, and your current loan obligations.
200,000CZK
Our calculator provides mathematically precise estimations. Final terms will be specified in your loan agreement.
Mortgage
Monthly mortgage payment — CZK
This field requires your estimated monthly mortgage payment. Enter the amount you expect to pay each month for your mortgage.
Mortgage duration — Years
Input the number of years for your mortgage term. This represents the duration over which you will be repaying your mortgage.
Rent
Starting rent — CZK
Enter your current monthly rent amount in Czech Koruna (CZK). This will be used for comparison with potential mortgage costs.
Rent increase — % (optional)
If you expect your rent to increase annually by a certain percentage, enter that estimated average yearly increase here. Leave this blank if you expect no rent adjustments.
Delta
Monthly repayments
Mortgage
0
Rent
0
Total payment
0
0
Your gain
0
0
Mortgage
Property price — CZK
Down payment — %
Down payment — CZK
Min Value 0
Duration — Years
Interest rate — %
Insurance payment
Loan amount
The total money borrowed for buying a property.
CZK
Total payment amount
The total sum repaid to the bank, including principal, interest, and insurance.
CZK
Interest rate
The rate at which the bank charges for borrowing funds.
%
RPSN
The RPSN (Roční procentní sazba nákladů) provides an annual illustration of the percentage rate of costs, showing the yearly percentage of the total amount owed. This covers installments, administrative charges, and additional costs associated with the loan. Please note that actual RPSN may vary among banks due to different additional expenses.
%
Insurance payment
The amount paid each month for insurance coverage.
CZK
Monthly payment
CZK
Our calculator provides mathematically precise estimations. Final terms will be specified in your loan agreement.
Application Process
The process of applying for mortgage loans through Finaram is simple and convenient. To apply for a mortgage, you will need to follow five easy steps:
1
Step 1: Choose Your Mortgage Product
Determine the type of loan product you need
Utilize our calculator to compare options and outcomes
2
Step 2: Contact Us
Submit your first application online to check your options or
Call us to discuss application details over the phone
3
Step 3: Receive Feedback / Pre-approval
If approved
Proceed to the second application to provide additional information
Submit necessary documents
If not approved
Receive recommendations from an expert broker to find an alternative solution
4
Step 4: Property Valuation
Submit property-related documents for a valuation
Our experts will coordinate with an agent to assist with the process
5
Step 5: Sign the Documents
Legal support to close the deal and sign contracts
Personal assistance to coordinate final steps
Comparing Our Strengths
This comparison highlights the unique advantages Finaram provides for your financial journey compared to traditional banks and other financial institutions. Our commitment is reflected in our diverse mortgage and loan solutions, exclusive calculators, competitive rates, user-friendly applications for expats, and expert guidance.
Your Best Financial Choice
98%
Successful Morgages
Free
Costs of Our Services
97%
Successful Loans
Broad options for mortgages and loans
Extensive selection of unique mortgage calculators
Competitive rates with individual discounts on interest, negotiated through VIP-status brokers
Online application process, including for expats or non-residents
Expert advice and guidance, over 300 mortgages secured / over 100 loans secured
Completely Free, With No Charges to You
Banks
Limited product options from a single bank
Limited Calculator Independence
Higher interest rates and fees
Inconvenient branch operating hours
Time-consuming and manual application process
Limited or no access to expert advice
Other Financial Services
Lack of comprehensive calculation tools
Require personal meetings
Limited options for expats or non-residents
Limited or no online application and approval process
Lack of specialized guidance for expat financial needs
The figures below highlight the total amount our partner brokers have secured for our clients in mortgages and loans, achieving the best interest rate and assisting over 500 clients in reaching their financial goals.
3,326,000,000 CZK
Total mortgages and loans secured for clients.
1.19%
Lowest interest rate secured.
1,200+ Clients
Successfully served with financial solutions.
They love us!
Samantha
Mortgage
From being told I couldn’t get a mortgage here as an expat to Robin and Ondřej getting me a mortgage with a good rate and for the value I wanted. These guys are amazing, super communicative, pro active, friendly, professional and they get the job done. 10 STARS!!!!!!! I would recommend them to anyone who is looking for a mortgage!!!!! They even assisted me with a few other things during my process which was really an added benefit.
Amount
9 600 000 CZK
Monthly Repayment
57 844 CZK
Loan Term
28
Interest Rate
4.49%
Aggelos
Personal Loan
Really nice and easy going person. Landed my loan request in just few hours. Highly recommend. Many thanks
Amount
800 000 CZK
Monthly Repayment
12 232 CZK
Loan Term
7
Interest Rate
7.40%
Kleomenis
Personal Loan
Rinata handled my case so quickly and with professionalism. I do recommend her and I am sure I will use her services again.
Amount
300 000 CZK
Monthly Repayment
6 286 CZK
Loan Term
5
Interest Rate
9.40%
V.K.
Housing & Renovation
I’m so grateful to you for helping me secure a loan to move into our new home and start renovations. I had so many concerns about managing this process, but u made everything so much easier by explaing every step clearly. I couldn’t recommend you more!
Amount
600 000 CZK
Monthly Repayment
7 930 CZK
Loan Term
10
Interest Rate
10.00%
M.G.
Auto Loan
I had a great experience working with Rinata to secure my car loan. She was professional and friendly, and made the entire process stress-free. All the options have been explained and answered my questions promptly. We got even better deal then my main bank provides. I highly recommend their services to anyone in need of financial advice or assistance.
Amount
500 000 CZK
Monthly Repayment
6 867 CZK
Loan Term
8
Interest Rate
7.20%
Lorenzo
Personal Loan
I was lucky to encounter Rinata while I was struggling as a foreigner to get a personal loan from a local bank here in Prague. Let me assure you that once Rinata steps in, you are in the best possible hands you could be. Her expertise, network of contacts, resources, work ethic and resilience can handle anything you need. A remarkable professional whether you need a mortgage or a loan, or any other banking related services. She will not only go above and beyond to deliver results in a short timeframe, ensuring you don't have to worry about a thing, but her warm and considerate nature also makes it a true pleasure to work with her. Thank you Rinata !
Amount
20 000 CZK
Monthly Repayment
2 036 CZK
Loan Term
1
Interest Rate
12.9%
Roman
Mortgage
Rinata has proven to be an ethical, friendly, and knowledgeable mortgage advisor. She provides assistance through each step of the mortgage process. I definitely would recommend her as a mortgage advisor.
Amount
7 850 000 CZK
Monthly Repayment
41 139 CZK
Loan Term
30
Interest Rate
4.79%
Boban
Mortgage
I highly recommend Ms. Akhmetshina as a mortgage advisor. She demonstrated a profound and up-to-date understanding of the mortgage industry, and with her expertise, she guided us through the complex process of securing a mortgage. I highly believe her client commitments make her a valuable asset in the field.
Amount
5 000 000 CZK
Monthly Repayment
26 811 CZK
Loan Term
30
Interest Rate
4.99%
Dario
Mortgage
We had a very positive experience working with Rinata to secure our mortgage. Being first home buyers, we had many questions and doubts that Rinata answered promptly and clearly. She managed most interactions with the bank and realtor, making our experience as smooth and painless as possible. It is mostly thanks to Rinata's quick actions that we were able to get the property that we wanted. She is a great professional and I recommend working with her.
Amount
9 440 000 CZK
Monthly Repayment
50 618 CZK
Loan Term
30
Interest Rate
4.99%
Matěj
Mortgage
We were extremely satisfied with Rinata, she guided us through the entire mortgage process, provided excellent advice, and prepared us for everything that needed to be arranged. I can only recommend her.
What Exactly Are Mortgages Without Property? A mortgage without property, sometimes called a pre-approved mortgage, allows borrowers to obtain mortgage financing from a bank without having a specific property purchase already arranged. This flexible type of lending comes with unique advantages and disadvantages compared to traditional mortgages. Defining Key Aspects To understand mortgages without property, […]
Introduction to 90% Mortgage in the Czech Republic Owning property in the Czech Republic is becoming increasingly expensive. As real estate prices continue rising faster than incomes, prospective homebuyers need larger mortgages to finance their purchases. This has led to growing demand for high loan-to-value (LTV) mortgages that require smaller down payments. A 90% LTV […]
What is an Investment Mortgage? An investment mortgage is a type of loan used to purchase a property that will be rented out to tenants rather than used as a primary residence. Unlike with a traditional mortgage, the borrowed money is used to generate rental income through real estate investments. With an investment mortgage, the […]
Finaram assists with acquiring a comprehensive range of different mortgage types and loan products, providing customized solutions tailored to each client’s unique financial needs and goals. Our state-of-the-art online platform and calculators simplify the process for maximum convenience. Transparency is key—all calculations clearly lay out details without hidden costs, so you understand the full picture. Consultation and full support services come at no extra cost, demonstrating the commitment to your financial success. Through VIP access to top banks, our partner specialists negotiate exclusive discounted rates and financial benefits that might be challenging to secure on your own. Our Watchdog rate notification system alerts you when your targeted rates are available in the market, ensuring you are always ahead regardless of market conditions. Finaram aims to empower clients through education, clarity, and personalized service, highlighting our unique position as the go-to source for obtaining optimal mortgage and loan conditions in the Czech Republic.
EN 
CZ 
Broad options for mortgages and loans 
Limited product options from a single bank 
