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IntroductionCalculators
Your plan starts with numbers.
Build a financial plan or compare the rent vs. the mortgage on the same budget. Try also the rent and income scenarios. The calculations are indicative, not investment advice, recommendations or promise of financing.
Your finances in numbers
Financial calculators
Mortgage· Repayment and own resources
Orientally, let's see what kind of mortgage your budget can carry and how much of your own resources you need.
What to enter in the calculation
- 01
Revenue and expenditure of household
Including existing instalments.
- 02
Price and own resources
How much money do you have saved for real estate?
- 03
Maturity, interest and LTV
The result will also show the payment at a higher rate.
Kč
Kč
Kč
Kč
Kč
Kč
years
%
%
Indicative availability according to your budget, not bank credit or the promise of approval. The model assumes an estimate value equal to the price and the same rate throughout the maturity. It does not include fees and insurance.
The usual LTV limit is 80, 90 % for eligible applicants under 36 years of age for their own residence. Investment purchase or third and other residential property requires separate assessments: from 1 4 2026 ČNB recommends LTV 70 % and DTI 7. Here we do not evaluate these special conditions.
The Bank assesses verifiable income, expenses and dependants, credit and credit card limits and overdrafts, registries, age, type of income and real estate estimate.
Conditions of CNB's credit indicatorsOrientally available mortgage amount
4 000 000 Kč
Základní splátka se do modelu vejde, ale při zvýšení úroku o 2 p. b. splátka 26 612 Kč překročí rozpočet 25 000 Kč. Zvažte vyšší vlastní prostředky nebo nižší úvěr. Nejde o posouzení bankou.
- Credit required
- 4 000 000 Kč
- Estimate of monthly repayment of the loan needed
- 21 473 Kč
- Repayment on interest increase by 2 p. b.
- 26 612 Kč
- Budget for the new instalment
- 25 000 Kč
- Missing own funds
- 0 Kč
The information on this website, calculator results and PDF reports are for information and education only. They are not investment advice, investment recommendations or an offer of a specific investment instrument. Investment services are limited to facilitating access to options; the decision always rests with the client. Investing involves risk: values can rise or fall, returns are not guaranteed, and past performance does not guarantee future results. Tax and contribution figures are indicative and do not replace tax advice. Fix the unfilled or inadmissible values for the marked pane; zero is the valid figure where it is allowed.
What does the result mean for you?
The numbers are the beginning. Together, we place them in your budget, goals and life situation.
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Tools
The tools that give you clarity.
I use them for every meeting and for you. You don't see a spreadsheet that no one understands, but your situation, your scripts, and your next step.
Financial analysis
A visual financial plan that will show specific scenarios for what will change after investment, refinancing or replenishment of insurance.
- Screenplay instead of estimations
- Clear outputs for the client
- Submission for each meeting
Asset management
A linked overview of investments, funds, insurance and loans, so you can see your assets grow and what the next step is.
- Monitoring of portfolio developments
- Evaluation of revenues
- Long-term planning and reporting
The instruments are operated by the Assetia Group. Read more on assetio.cz