Average Size of a New Mortgage

4.67 million CZK
Current value
4.59 million CZK
Last Month's Value

Commentary by the Czech Bar Association

The average size of newly originated mortgages rose slightly in September to 4.67 million CZK, an increase of nearly 2% month-over-month. This was 7% higher than the 4.35 million CZK recorded a year ago. Mortgages for property purchases exceeded the average amount of new mortgages by 0% this year, while construction mortgages were 0% lower (in the previous six years, these differences ranged from 4% to -6%). In 2020, the average mortgage amount was 2.76 million crowns, meaning the current amount is 1.7 times higher.

Average Size of a New Mortgage

CBA Monitor
You can hide a data set by clicking on the data set name in the chart legend.

Source of Primary Data

ČBA Hypomonitor

Category

ČBA Hypomonitor

Data Frequency

monthly

Note

A more detailed breakdown of the data from the ČBA Hypomonitor is available in its monthly data supplement; see: https://www.cbamonitor.cz/publicistika/soubory/cba-hypomonitor-data

Related Charts

Volume of Newly Granted Mortgages, Including and Excluding Refinancing and Top-Ups
Prices of New and Nearly New Apartments and the Number of Transactions
Prices of Older Apartments and the Number of Transactions
Trends in Actual Sale Prices of Older Apartments
Trends in Actual Apartment Prices in Prague, % yoy

For download:

Comments

CBA Hypomonitor: September Stabilization at a Higher-than-Normal Rate of 5.1%
Jaromír Šindel 14. 10. 2026

Compared to August, their volume increased by 5%, even though in recent years it has typically declined month-over-month in September

Real estate price growth has slowed to below 8% on an annualized basis, but older properties are maintaining a 10% growth rate
Jaromír Šindel 29. 09. 2026

The growth in real estate prices slowed slightly in the second quarter. Year-over-year, real estate prices were up 8.6%, while in the first quarter they had risen by 10%. The slowdown is primarily due to a slight quarter-over-quarter decline in prices for new properties in Prague. Older housing, on the other hand, continues to maintain roughly 10% year-over-year and annualized growth. The price and cost index for owner-occupied housing traditionally showed a weaker pace, but the 1.6% increase ranks among the stronger ones over the past two years. Over the past fifteen years, the increase in the cost of acquiring real estate—including self-help construction and repairs (so-called “owner-occupied housing”)—has accounted for 51% of the increase in the real estate index, i.e., the house price index. While quarterly acceleration of disposable income fit the real estate price growth, its annual growth reamined weaker.

CBA Hypomonitor: The cooling of the mortgage market continued in August, with rates at 5%
Jaromír Šindel 16. 09. 2026

Activity declined by 13 percent in terms of volume compared to July

CBA Hypomonitor: Higher Rates and Regulations Slowed Mortgage Growth, but the Market Remained Strong in June
Jaromír Šindel 17. 07. 2026

The average interest rate on new mortgages rose to 4.79%, while the average mortgage amount fell back below 4.7 million crowns. Banks and building societies issued new mortgages (excluding refinancing) totaling 36.5 billion crowns. After months of exceptionally strong mortgage activity, June saw a clear return to the robust normal levels seen in the second half of last year. In the first half of the year, the volume of new mortgages reached 216 billion crowns, which is 66 billion more than last year. Higher market interest rates and expensive real estate remain the main obstacles.

CBA Hypomonitor: A slight increase in the mortgage rate to 4.67% sustained solid activity in May
Jaromír Šindel 12. 06. 2026

In May 2026, banks and building societies actually issued new mortgages (excluding refinancing) totaling CZK 38.1 billion.

CBA Hypomonitor: April also rewrote mortgage highs with still low rate of 4.52%
Jaromír Šindel 18. 05. 2026

Average mortgage rate rises to 4.52%

CBA Hypomonitor: March continued with a temporary boom in mortgages, thanks to a lower rate of 4.43%.
Jaromír Šindel 16. 04. 2026

The average amount of a new mortgage exceeded CZK 4.8 million

CBA Hypomonitor: February continued with a temporary boom in mortgages, at a rate of 4.46%.
Jaromír Šindel 13. 03. 2026

February ranked among the five strongest mortgage months ever in terms of volume in billions of crowns, but also with a continued strong number of new mortgage originations.

CBA Hypomonitor: Lower June rate to 4.56% brought a recovery in new mortgages
15. 07. 2025

In June 2025, banks and building societies granted new mortgages worth CZK 29.4 billion.

CBA Hypomonitor: April stabilized strong mortgage rates at 4.65%
16. 05. 2025

Despite the slight correction, April continued to see strong volumes of new mortgages supported by another slight decline in the average mortgage rate to 4.65%.

CBA Hypomonitor: Spring mortgage boom with a slight drop in interest rates
14. 04. 2025

March continued to see strong new mortgage volumes supported by another slight fall in the average rate to 4.68%