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
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. The figure of CZK 370 billion of new mortgage loans in 2026 reflects the assumption of a similar dynamics of the number of new mortgages as in the last three months, followed by a 7% negative shock from April 2026 due to stricter criteria for so-called investment mortgages, which should result in less than 80,000 new mortgages. The volume is then tightened by assuming 8% annualized growth in the average mortgage amount over the next three months, followed by its stagnation over the rest of the year.
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
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Number and volume of new mortgages granted with refinancing and increases
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Comments
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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Seidler: Mortgage market revived faster than expected in the second half of 2023
18. 1. 2024
5 min. reading
Interview with Jakub Seidler, Chief Economist of the Czech Banking Association
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