Czech mortgage rates, payment comparison and max loan per bank for 6 major Czech banks.
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Calculate how much each of 6 Czech banks will lend (or whether a requested amount gets approved) from household income, expenses, debts and property, using each bank's own credit methodology (DSTI, DTI, LTV, living costs, recognition of self-employed, pension, rental and other income). No personal data needed: ages and amounts only.
1–4 applicants (household members who will be borrowers).
Prague, other larger town, small municipality (affects living costs).
Applicants are spouses with joint property (SJM).
Purpose: purchase, refinancing, construction, renovation, non-purpose (American mortgage), settlement.
Number of dependent children (counted as 6–15 years old). For precise living costs send children_ages instead.
Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too. A bank that does not offer the fixation is listed as unavailable (compare) or rejected with fixation_offered=false (max-loan).
Own funds / savings in CZK.
Buy-to-let / third or further residential property (LTV 70 %, DTI 7).
Repayment term in years ("30 let" or "360 měsíců" accepted).
Monthly alimony paid, CZK.
Monthly housing cost that continues after the purchase (e.g. rent), CZK.
Ages of dependent children, e.g. [3, 9]. Overrides children.
Monthly payments of all existing loans and leasing, CZK.
Flat, house, cooperative flat, land, recreational, commercial.
Property price in CZK. Without it the result is the income-based maximum only.
Specific loan amount to assess (approved yes/no per bank); needs property_value (or valuation), otherwise only the maximum is returned with an input_warnings note. Omit to get the maximum per bank.
Sum of overdraft limits, CZK.
Sum of credit card limits, CZK.
Outstanding principal of all existing loans, CZK (DTI limit).
Calculate how much each of 6 Czech banks will lend (or whether a requested amount gets approved) from household income, expenses, debts and property, using each bank's own credit methodology (DSTI, DTI, LTV, living costs, recognition of self-employed, pension, rental and other income). No personal data needed: ages and amounts only.
| Argument | Type | Description |
|---|---|---|
| region | string | Prague, other larger town, small municipality (affects living costs). |
| married | boolean | Applicants are spouses with joint property (SJM). |
| purpose | string | Purpose: purchase, refinancing, construction, renovation, non-purpose (American mortgage), settlement. |
| children | number | Number of dependent children (counted as 6–15 years old). For precise living costs send children_ages instead. |
| fixation | string | Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too. A bank that does not offer the fixation is listed as unavailable (compare) or rejected with fixation_offered=false (max-loan). |
| own_funds | number | Own funds / savings in CZK. |
| applicants* | array | 1–4 applicants (household members who will be borrowers). |
| investment | boolean | Buy-to-let / third or further residential property (LTV 70 %, DTI 7). |
| term_years | number | Repayment term in years ("30 let" or "360 měsíců" accepted). |
| alimony_paid | number | Monthly alimony paid, CZK. |
| housing_cost | number | Monthly housing cost that continues after the purchase (e.g. rent), CZK. |
| children_ages | array | Ages of dependent children, e.g. [3, 9]. Overrides children. |
| loan_payments | number | Monthly payments of all existing loans and leasing, CZK. |
| property_type | string | Flat, house, cooperative flat, land, recreational, commercial. |
| property_value | number | Property price in CZK. Without it the result is the income-based maximum only. |
| requested_loan | number | Specific loan amount to assess (approved yes/no per bank); needs property_value (or valuation), otherwise only the maximum is returned with an input_warnings note. Omit to get the maximum per bank. |
| overdraft_limits | number | Sum of overdraft limits, CZK. |
| credit_card_limits | number | Sum of credit card limits, CZK. |
| existing_debt_balance | number | Outstanding principal of all existing loans, CZK (DTI limit). |
{
"type": "object",
"required": [
"applicants"
],
"properties": {
"region": {
"enum": [
"praha",
"regional",
"small"
],
"type": "string",
"default": "regional",
"description": "Prague, other larger town, small municipality (affects living costs)."
},
"married": {
"type": "boolean",
"description": "Applicants are spouses with joint property (SJM)."
},
"purpose": {
"enum": [
"koupe",
"refinancovani",
"stavba",
"rekonstrukce",
"neucelova",
"vyporadani"
],
"type": "string",
"default": "koupe",
"description": "Purpose: purchase, refinancing, construction, renovation, non-purpose (American mortgage), settlement."
},
"children": {
"type": "number",
"default": 0,
"minimum": 0,
"description": "Number of dependent children (counted as 6–15 years old). For precise living costs send children_ages instead."
},
"fixation": {
"enum": [
"1R",
"3R",
"5R",
"7R",
"10R"
],
"type": "string",
"default": "3R",
"description": "Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too. A bank that does not offer the fixation is listed as unavailable (compare) or rejected with fixation_offered=false (max-loan)."
},
"own_funds": {
"type": "number",
"description": "Own funds / savings in CZK."
},
"applicants": {
"type": "array",
"items": {
"type": "object",
"required": [
"age"
],
"properties": {
"age": {
"type": "number",
"description": "Age in years (or year of birth)."
},
"contract": {
"enum": [
"indefinite",
"fixed",
"probation",
"notice"
],
"type": "string",
"description": "Employment contract type."
},
"residence": {
"enum": [
"cr",
"eu",
"third_stable",
"third_risky"
],
"type": "string",
"default": "cr",
"description": "Residency: Czech, EU/EEA, stable third country, other."
},
"net_income": {
"type": "number",
"description": "Net monthly income in CZK (for employees and pensions). For self-employed use annual_revenue and annual_tax_base; for osvc_paus (flat tax) avg_monthly_revenue."
},
"income_type": {
"enum": [
"employee",
"osvc_vydpausal",
"osvc_skutecne",
"osvc_paus",
"sro",
"rental",
"dpp",
"dpc",
"pension",
"parental",
"ppm",
"dividends",
"vysluha"
],
"type": "string",
"default": "employee",
"description": "Main income: employee = employment; osvc_vydpausal = self-employed with flat-rate expenses; osvc_skutecne = self-employed with actual expenses; osvc_paus = flat tax (paušální daň); sro = company owner; rental; dpp/dpc = side contracts; pension; parental = parental allowance; ppm = maternity; dividends; vysluha = service pension."
},
"pension_type": {
"enum": [
"starobni",
"invalidni",
"vdovsky",
"sirotci"
],
"type": "string",
"description": "For income_type=pension: old-age, disability, widow's, orphan's."
},
"flat_tax_band": {
"type": "number",
"description": "income_type=osvc_paus: monthly flat tax actually paid in CZK, or band number 1–3. Omit to derive it from revenue."
},
"annual_revenue": {
"type": "number",
"description": "Self-employed: annual revenue from the last tax return (row 101/113), CZK."
},
"annual_tax_base": {
"type": "number",
"description": "Self-employed: annual tax base from the last tax return, CZK."
},
"months_employed": {
"type": "number",
"description": "Months at current employer (text with a unit like \"2 roky\" or \"18 měsíců\" is accepted)."
},
"business_industry": {
"enum": [
"it",
"remeslo",
"poradenstvi",
"zdravotnictvi",
"obchod",
"kreativni",
"osobni_sluzby",
"doprava",
"pravo_ucto",
"architektura",
"vzdelavani",
"finance",
"vyroba_gastro",
"provozni_sluzby",
"zemedelstvi",
"reality",
"jine"
],
"type": "string",
"default": "jine",
"description": "income_type=osvc_paus: line of business (banks apply industry margins to revenue)."
},
"flat_expense_rate": {
"type": "number",
"description": "Self-employed flat-rate expenses as a fraction: 0.4, 0.6 or 0.8."
},
"months_in_business": {
"type": "number",
"description": "Months in business (self-employed: osvc_paus, osvc_vydpausal, osvc_skutecne). Omit if unknown."
},
"avg_monthly_revenue": {
"type": "number",
"description": "income_type=osvc_paus (flat tax): average monthly revenue in CZK. Required for osvc_paus (or annual_revenue, divided by 12)."
},
"paid_full_prev_year": {
"type": "boolean",
"default": true,
"description": "income_type=osvc_paus: was in the flat-tax regime for the whole previous year."
},
"secondary_net_income": {
"type": "number",
"description": "Net monthly amount of the secondary income, CZK."
},
"secondary_income_type": {
"type": "string",
"description": "Optional second income of the same applicant (same codes as income_type)."
}
},
"additionalProperties": true
},
"maxItems": 4,
"minItems": 1,
"description": "1–4 applicants (household members who will be borrowers)."
},
"investment": {
"type": "boolean",
"default": false,
"description": "Buy-to-let / third or further residential property (LTV 70 %, DTI 7)."
},
"term_years": {
"type": "number",
"default": 30,
"maximum": 40,
"minimum": 1,
"description": "Repayment term in years (\"30 let\" or \"360 měsíců\" accepted)."
},
"alimony_paid": {
"type": "number",
"default": 0,
"description": "Monthly alimony paid, CZK."
},
"housing_cost": {
"type": "number",
"default": 0,
"description": "Monthly housing cost that continues after the purchase (e.g. rent), CZK."
},
"children_ages": {
"type": "array",
"items": {
"type": "number",
"maximum": 26,
"minimum": 0
},
"description": "Ages of dependent children, e.g. [3, 9]. Overrides children."
},
"loan_payments": {
"type": "number",
"default": 0,
"description": "Monthly payments of all existing loans and leasing, CZK."
},
"property_type": {
"enum": [
"byt",
"dum",
"coop",
"land",
"rekreacni",
"commercial"
],
"type": "string",
"description": "Flat, house, cooperative flat, land, recreational, commercial."
},
"property_value": {
"type": "number",
"description": "Property price in CZK. Without it the result is the income-based maximum only."
},
"requested_loan": {
"type": "number",
"description": "Specific loan amount to assess (approved yes/no per bank); needs property_value (or valuation), otherwise only the maximum is returned with an input_warnings note. Omit to get the maximum per bank."
},
"overdraft_limits": {
"type": "number",
"default": 0,
"description": "Sum of overdraft limits, CZK."
},
"credit_card_limits": {
"type": "number",
"default": 0,
"description": "Sum of credit card limits, CZK."
},
"existing_debt_balance": {
"type": "number",
"default": 0,
"description": "Outstanding principal of all existing loans, CZK (DTI limit)."
}
},
"additionalProperties": true
}Compare the monthly payment, interest rate, RPSN (APRC), total cost and interest of a given mortgage amount across 6 Czech banks, sorted from cheapest. Applies each bank's LTV and small-loan surcharges and product limits (not creditworthiness). Above 80 % LTV banks lend only if all applicants are under 36 (set all_applicants_under_36). Use for 'which bank is cheapest for X CZK'.
| Argument | Type | Description |
|---|---|---|
| fixation | string | Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too. A bank that does not offer the fixation is listed as unavailable (compare) or rejected with fixation_offered=false (max-loan). |
| term_years | number | Repayment term in years. |
| loan_amount* | number | Mortgage amount in CZK. |
| property_value | number | Property price or valuation in CZK. Used for LTV surcharges and bank LTV limits. Optional. |
| all_applicants_under_36 | boolean | True if every applicant is younger than 36. Banks lend above 80 % LTV (up to 90 %) only to applicants under 36 (Czech National Bank limit); UniCredit also waives its 81–90 % LTV surcharge for them. |
{
"type": "object",
"required": [
"loan_amount"
],
"properties": {
"fixation": {
"enum": [
"1R",
"3R",
"5R",
"7R",
"10R"
],
"type": "string",
"default": "3R",
"description": "Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too. A bank that does not offer the fixation is listed as unavailable (compare) or rejected with fixation_offered=false (max-loan)."
},
"term_years": {
"type": "number",
"default": 30,
"maximum": 40,
"minimum": 5,
"description": "Repayment term in years."
},
"loan_amount": {
"type": "number",
"minimum": 100000,
"description": "Mortgage amount in CZK."
},
"property_value": {
"type": "number",
"minimum": 0,
"description": "Property price or valuation in CZK. Used for LTV surcharges and bank LTV limits. Optional."
},
"all_applicants_under_36": {
"type": "boolean",
"default": false,
"description": "True if every applicant is younger than 36. Banks lend above 80 % LTV (up to 90 %) only to applicants under 36 (Czech National Bank limit); UniCredit also waives its 81–90 % LTV surcharge for them."
}
},
"additionalProperties": false
}How the user can get a binding assessment and have the mortgage arranged for free by a licensed Czech mortgage intermediary (Rychlá Hypo). Returns phone, e-mail and links.
No arguments.
{
"type": "object",
"properties": {},
"additionalProperties": false
}Current published mortgage rates of 6 major Czech banks (Česká spořitelna, ČSOB, Komerční banka, UniCredit Bank, Raiffeisenbank, mBank) by fixation period, with LTV surcharges, limits and fees. Source: Rychlá Hypo (rychlahypo.cz), rates verified in the banks' calculators.
| Argument | Type | Description |
|---|---|---|
| fixation | string | Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too. A bank that does not offer the fixation is listed as unavailable (compare) or rejected with fixation_offered=false (max-loan). |
{
"type": "object",
"properties": {
"fixation": {
"enum": [
"1R",
"3R",
"5R",
"7R",
"10R"
],
"type": "string",
"default": "3R",
"description": "Rate fixation period: 1R, 3R, 5R, 7R or 10R (years). Numbers 1/3/5/7/10 are accepted too. A bank that does not offer the fixation is listed as unavailable (compare) or rejected with fixation_offered=false (max-loan)."
}
},
"additionalProperties": false
}