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Apartment overview

Apartment detail

Review costs, entered facts, risks, and next steps for Example Praha 2+kk.

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Demo dataFirst home buyerBuying a home

Key points

Example Praha 2+kk

Vinohradská 1200/50, Praha 2Praha

Does not fit for now

BytScore is not a professional valuation, mortgage advice, legal advice, or tax advice.

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Does not fit for nowThis result compares the unit with your budget and requirements. It does not judge its market quality or tell you to buy it.

Minimum modeled monthly housing costs

36,684 CZK

Missing: insurance. The amount shown is the known subtotal.

Total required including your reserve

1,980,000 CZK

1,480,000 CZK + reserve 500,000 CZK = 1,980,000 CZK

Cash spent at purchase

1,480,000 CZK

Cash remaining after purchase

320,000 CZK

Price per m²

109,091 CZK

Down-payment component

1,200,000 CZK

Your monthly limit

40,000 CZK

Your desired reserve

500,000 CZK

Assumptions used in this calculation

Purchase price

6,000,000 CZK

From the listing

Area

55 m²

From the listing

Cash available for the purchase

1,800,000 CZK

Entered by you

Maximum housing cost per month

40,000 CZK

Entered by you

Minimum amount to keep after purchase

500,000 CZK

Entered by you

Expected mortgage interest rate

4.8%

Entered by you

Mortgage term

30

Entered by you

Planned down payment

20%

Entered by you

Building and service fees

4,500 CZK

Entered by you

Estimated utilities

5,000 CZK

Model estimate

Home insurance

—

Unknown

Monthly repair allowance

2,000 CZK

Model estimate

Renovation

100,000 CZK

Entered by you

One-time purchase costs

100,000 CZK

Model estimate

Furniture and moving budget

80,000 CZK

Entered by you

Input quality

Data completeness

19/20

Entered manually

8

Marked by the user as documented

4

Unknown

1

Input reliability: medium

Comparison with your saved candidates

Save similar apartments in the same city. Fewer than five remain a list of your raw candidates; they are not market data or a basis for a median.

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What to check at the viewing and in documents

Practical checks based on the purpose of the purchase and the risks entered. They do not replace legal, technical, mortgage, or tax checks.

At the viewingWhat to check in the apartment or with the agent.

  1. Verify exact address and entrance

    High impact

    Compare the listing address, entrance, floor, and unit with the cadastral record and map.

  2. Inspect the building condition

    Medium impact

    Look at facade, roof, common areas, lifts, basement, moisture, and visible signs of deferred maintenance.

  3. Confirm fees and repair fund

    High impact

    Check what is included in monthly payments, the repair fund, utilities, and whether planned increases are expected.

  4. Break down renovation scope

    Medium impact

    Separate must-have repairs from cosmetic upgrades and check whether the budget includes contingency.

  5. Plan a technical inspection

    Medium impact

    For older or renovation-heavy flats, verify wiring, plumbing, windows, heating, moisture, and structural concerns.

  6. Check the monthly budget buffer

    High impact

    Compare the mortgage, fees, living costs, and emergency reserve with your stable income.

  7. Check layout, storage, and access

    Medium impact

    Confirm bedroom separation, storage, pram access, lift, cellar, balcony, and usable shared spaces.

  8. Think through resale exit

    Medium impact

    Check whether ownership, layout, floor, building state, and price level could make resale harder.

In the documentsWhat to review before making a decision.

  1. Ownership extract

    High impact

    Verify owner, unit definition, liens, easements, and whether anything conflicts with the listing.

  2. SVJ or HOA documents

    High impact

    Review meeting minutes, repair fund, planned repairs, debts, insurance, and building management quality.

  3. Energy label

    Medium impact

    Check energy performance and likely heating costs, especially for older buildings.

  4. Floor plan and usable area

    Medium impact

    Compare advertised area with the official plan and make sure the layout supports the buyer profile.

  5. Renovation quotes

    Medium impact

    Collect itemized quotes and contingency before treating renovation cost as reliable.

  6. Planned building repairs

    Medium impact

    Check planned facade, roof, lift, pipe, window, and common-area repairs that could change fees.

  7. Mortgage pre-approval

    High impact

    Confirm financing early, especially with cooperative ownership, low down payment, or high owner costs.

  8. Building debt and future fees

    Medium impact

    Check loans at the building or SVJ level and whether they can raise monthly costs.

Assumptions to verify

Expected mortgage interest rate

4.8%

Entered by you

Mortgage term

30 years

Entered by you

New build

No

Ownership type

Personal ownership

Location

Praha

These are entered details, not verified facts. Before deciding, confirm fees, ownership, exact location, renovation scope, and building condition.

Map
Approximate pin

Example Praha 2+kk

—
© OpenStreetMap contributors

Map uses entered coordinates. If they are missing, it falls back to the city center.

Open exact location

Vinohradská 1200/50, Praha 2

Praha

Approximate pin
Google MapsMapy.czOpenStreetMap

Verify the exact entrance and parcel before a viewing. The map uses the coordinates entered in BytScore.

What else to check

  • For a first home buyer, keep a monthly reserve after mortgage, fees, and repairs.

    High impact

  • Review SVJ/HOA documents, planned repairs, ownership structure, and building debt.

    Medium impact

  • Check whether the unit would still be easy to sell if life plans change.

    Medium impact