If mortgages maintain the momentum of the previous four months, with the exception of the previous one, the volume of new mortgages without refinancing could reach CZK 301 billion in 2025, +32% compared to last year. This is a worse estimate than a month ago (-1.1%), but is above the average annual estimate of the previous three months (CZK 297bn). This is accompanied by a better estimate of the number of new mortgages this year at 74.6k, which is above the average estimate of the annual result from the previous three months (72k units). This information comes from the CBA Hypomonitor, which captures data from all domestic banks and building societies providing mortgage loans. Hypomonitor's history since 2020 shows their lowest annual volume at CZK 124 billion in 2023 and their highest volume at CZK 379 billion in 2021.

CBA Hypomonitor

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

CBA Hypomonitor

annual

Number and volume of mortgages granted with refinancing and increase
Number and volume of new mortgages granted without refinancing and increases