Illustratively, the impact on the average monthly mortgage payment is around CZK 24.1 thousand. The combination of the fall in interest rates and the higher average mortgage amount in December 2025 compared to the 2024 averages increased the average monthly mortgage payment by CZK 3.1k. The drop in mortgage rates by almost 0.6% points compared to their average level of 5.07% in 2024 has resulted, for an average mortgage size with a typical repayment period of almost 27 years, in a reduction in the monthly mortgage payment by almost CZK 1 500 to approximately CZK 24.1 thousand. CZK 1,500,000. Compared to an average mortgage rate of 5.81% in 2023, the saving due to the interest rate amounted to just under CZK 3,500 for a mortgage at its current average value.
However, the current average mortgage amount is 22% higher than its average amount in 2024, which contributes to an increase in the monthly payment of CZK 4.4k.
Conversely, compared to the average 2.8% mortgage rate for new mortgages in 2019, the current refinance mortgage rate of 4.45% when the loan term is shortened raises the monthly payment on the average mortgage by more than 1,600k, or about 3.2% of the current gross average wage.

CBA Hypomonitor

The first time series - red - reflects the average realized interest rate and the average amount of new mortgage originations from the CBA Hypomonitor.
The second time series - orange - for a mortgage of CZK 2.66 million reflects the average mortgage amount from January 2020 according to the CBA Hypomonitor.
The difference between the red and orange ted reflects the impact of the different mortgage amount over time compared to the average January 2022 mortgage amount (2.66 million).

CBA Hypomonitor

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