Mortgage lending volumes for the whole year

Volume of new mortgages 2025

Mortgage lending volumes for the whole year

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CBA Commentary
If mortgages maintain the momentum of the last three months, i.e. January to March, then in 2026 the volume of new mortgages without refinancing would reach CZK 398 billion, +24% compared to last year. However, this year's figures are likely to be strongly influenced by the effect of frontloading with lower interest rates and before the April activation of stricter rules for so-called investment mortgages. The estimate thus assumes a 7% correction to the number of new mortgages and a more modest average mortgage size. Hypomonitor's history since 2020 shows their lowest annual volume at 124 billion in 2023 and their highest volume at 379 billion in 2021.
Source of primary data
CBA Hypomonitor
Note
A more detailed breakdown of the CBA Hypomonitor data is available in its monthly data supplement, see: https://www.cbamonitor.cz/publicistika/soubory/cba-hypomonitor-data
Category
CBA Hypomonitor
Data frequency
annual
Related Charts
Number and volume of new mortgages granted with refinancing and increase
Number and volume of new mortgages granted without refinancing and increases
Comments
CBA Hypomonitor: March continued with a temporary boom in mortgages, thanks to a lower rate of 4.43%. ilustrační foto
CBA Hypomonitor: March continued with a temporary boom in mortgages, thanks to a lower rate of 4.43%.
16. 4. 2026
15 min. reading
The average amount of a new mortgage exceeded CZK 4.8 million
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CBA Hypomonitor: February continued with a temporary boom in mortgages, at a rate of 4.46%. ilustrační foto
CBA Hypomonitor: February continued with a temporary boom in mortgages, at a rate of 4.46%.
13. 3. 2026
15 min. reading
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.
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CNB tightens conditions for investment mortgages: 9% impact or necessary redistribution of demand? ilustrační foto
CNB tightens conditions for investment mortgages: 9% impact or necessary redistribution of demand?
27. 11. 2025
7 min. reading
Comment by Jaromír Šindel, Chief Economist of the CBA: The Central Bank, through stricter requirements in the form of recommendations for investment mortgages, has decided to make a modest effort to correct mortgage demand on the real estate market, which remains very tight in terms of prices, mainly due to the supply side - see the drop in building permits.
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CBA Hypomonitor: Lower June rate to 4.56% brought a recovery in new mortgages ilustrační foto
CBA Hypomonitor: Lower June rate to 4.56% brought a recovery in new mortgages
15. 7. 2025
10 min. reading
In June 2025, banks and building societies granted new mortgages worth CZK 29.4 billion.
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CBA Hypomonitor: April stabilized strong mortgage rates at 4.65% ilustrační foto
CBA Hypomonitor: April stabilized strong mortgage rates at 4.65%
16. 5. 2025
10 min. reading
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%.
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CBA Hypomonitor: Spring mortgage boom with a slight drop in interest rates ilustrační foto
CBA Hypomonitor: Spring mortgage boom with a slight drop in interest rates
14. 4. 2025
10 min. reading
March continued to see strong new mortgage volumes supported by another slight fall in the average rate to 4.68%
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