Czech Mortgage Market Update and Key Figures in 2025

11/09/2025

The Czech mortgage market continues to evolve rapidly, with 2025 shaping up to be a pivotal year for borrowers and lenders alike. Recent data highlights several important trends and regulatory updates that both current homeowners and prospective buyers should be aware of.


Average Mortgage Amount Reaches Record High

The average mortgage loan size in the Czech Republic has climbed to nearly CZK 4.2 million, reflecting the ongoing increase in property prices, particularly in major cities like Prague and Brno. This growth also indicates that borrowers are increasingly stretching their budgets to secure homes, often relying on higher income levels or dual-income households to meet stricter affordability requirements set by the Czech National Bank (ČNB).


Market Outlook for 2025: Strong Recovery Expected

After a challenging period marked by rising interest rates and slower market activity, 2025 is forecasted to bring renewed growth.

  • Estimated total mortgages granted: approx. 93,000 new contracts

  • Total lending volume: approx. CZK 380 billion

This projection suggests a more stable environment for both lenders and borrowers, with improved affordability and greater willingness among banks to finance home purchases.


3-Year Fixation Remains the Clear Favorite

One of the most interesting fact is the overwhelming preference for 3-year fixed-rate mortgages. According to the latest data:

  • 85% of clients choose a 3-year fixation

  • 8% opt for 2 years

  • 4% for 1 year

  • 1-2% commit to a 5-year fixation

This strong preference for 3-year fixations is primarily driven by current mortgage regulations and the anticipated future development of interest rates.


Important Update: Accessing Credit Reports at Czech Post

Starting August 1, 2025, individuals will be able to obtain their credit reports (BRKI and NRKI) directly at Czech POINT branches located at post offices across the country.

This is a significant improvement in accessibility, making it easier for consumers to monitor their credit history and prepare for mortgage applications. Previously, this process required online requests or in-person visits to specialized offices.


What This Means for Borrowers

The combination of higher average loan amounts and a recovering market underscores the importance of careful planning. Here are a few key takeaways for those considering a mortgage in 2025:

  • Budget wisely: Rising property prices mean higher monthly payments — ensure you have a financial cushion.

  • Monitor interest rates: With most borrowers favoring a 3-year fixation, keep an eye on ČNB's policy moves and market trends.

  • Check your credit early: Take advantage of the new Czech POINT service to review your credit report before applying for financing.


Final Thoughts
The Czech mortgage landscape in 2025 is set for growth, with increased accessibility, improved transparency, and a market leaning toward flexible mortgage solutions. Whether you are buying your first home or refinancing an existing loan, staying informed and prepared will be crucial for securing the best possible deal.


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