Input quality
Missing: insurance. The amount shown is the known subtotal.
BytScore
Apartment overview: Example Praha 2+kk
Vinohradská 1200/50, Praha 2 - Praha
Does not fit for now
After purchase, 320,000 CZK remains; it is 180,000 CZK short of your minimum 500,000 CZK.
Missing: insurance. The amount shown is the known subtotal.
Unknown tracked inputs (1): Home insurance.
Next step: Check whether purchase expenses can be reduced or your own funds increased by at least 180,000 CZK to retain your required reserve.
Input provenance and responsibility
- Input sources: From the listing, Entered by you, Model estimate, Unknown
- Marked by the user as documented: 4
- Calculation version: 1
- Generated by BytScore.cz
BytScore has not independently verified legal, technical, mortgage, or tax facts.
Key information
Purchase goal
First home buyer
Purchase price
6,000,000 CZK
Price per m²
109,091 CZK
Minimum modeled monthly housing costs
36,684 CZK
Total required including your reserve
1,980,000 CZK
Cash remaining after purchase
320,000 CZK
Costs and financing
Monthly mortgage
25,184 CZK
Minimum modeled monthly housing costs
36,684 CZK
Total required including your reserve
1,980,000 CZK
Cash spent at purchase
1,480,000 CZK
Your desired reserve
500,000 CZK
Cash remaining after purchase
320,000 CZK
Down-payment component
1,200,000 CZK
What to check at the viewing and in the documents
At the viewing
What to check in the apartment or with the agent.
- Verify exact address and entrance - Compare the listing address, entrance, floor, and unit with the cadastral record and map.High impact
- Inspect the building condition - Look at facade, roof, common areas, lifts, basement, moisture, and visible signs of deferred maintenance.Medium impact
- Confirm fees and repair fund - Check what is included in monthly payments, the repair fund, utilities, and whether planned increases are expected.High impact
- Break down renovation scope - Separate must-have repairs from cosmetic upgrades and check whether the budget includes contingency.Medium impact
- Plan a technical inspection - For older or renovation-heavy flats, verify wiring, plumbing, windows, heating, moisture, and structural concerns.Medium impact
- Check the monthly budget buffer - Compare the mortgage, fees, living costs, and emergency reserve with your stable income.High impact
- Check layout, storage, and access - Confirm bedroom separation, storage, pram access, lift, cellar, balcony, and usable shared spaces.Medium impact
- Think through resale exit - Check whether ownership, layout, floor, building state, and price level could make resale harder.Medium impact
In the documents
What to review before making a decision.
- Ownership extract - Verify owner, unit definition, liens, easements, and whether anything conflicts with the listing.High impact
- SVJ or HOA documents - Review meeting minutes, repair fund, planned repairs, debts, insurance, and building management quality.High impact
- Energy label - Check energy performance and likely heating costs, especially for older buildings.Medium impact
- Floor plan and usable area - Compare advertised area with the official plan and make sure the layout supports the buyer profile.Medium impact
- Renovation quotes - Collect itemized quotes and contingency before treating renovation cost as reliable.Medium impact
- Planned building repairs - Check planned facade, roof, lift, pipe, window, and common-area repairs that could change fees.Medium impact
- Mortgage pre-approval - Confirm financing early, especially with cooperative ownership, low down payment, or high owner costs.High impact
- Building debt and future fees - Check loans at the building or SVJ level and whether they can raise monthly costs.Medium impact
What is verified and what is missing
Input quality
Data completeness: 19/20
Input reliability: medium
Marked by the user as documented: 4
- Data completeness19/20
- Entered manually8
- Marked by the user as documented4
- Unknown1
What to watch out for
- After purchase, 320,000 CZK remains; it is 180,000 CZK short of your minimum 500,000 CZK.
- Missing: insurance. The amount shown is the known subtotal.
What to do before deciding
- Change the price or conditions, or leave this option out for now.
- For a first home buyer, keep a monthly reserve after mortgage, fees, and repairs.
- Review SVJ/HOA documents, planned repairs, ownership structure, and building debt.
- Check whether the unit would still be easy to sell if life plans change.
Details used in the calculation
Purchase price
6,000,000 CZK · From the listing
Area
55 m² · From the listing
New build
No
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
Monthly fees
4,500 CZK · Entered by you
Renovation cost
100,000 CZK · Entered by you
Interest rate
4.8% · Entered by you
Mortgage years
30 years · Entered by you
Planned down payment
20% · Entered by you
Estimated utilities
5,000 CZK · Model estimate
Home insurance
— · Unknown
Monthly repair allowance
2,000 CZK · Model estimate
One-time purchase costs
100,000 CZK · Model estimate
Furniture and moving budget
80,000 CZK · Entered by you
Important disclaimer
This is a rough financial model based on entered data and broad market context. It is not a professional valuation, mortgage advice, legal advice, or tax advice. Legal, technical, mortgage, and tax checks are still required.