Czech Republic: Mortgage Lending Interest Rate
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Next update:
November 2025
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Czech Republic
Source: Czech National Bank
Quarterly average mortgage interest rates
| Q1 | Q2 | Q3 | Q4 | |
| 2025 | 4.69% | 4.62% | ||
| 2024 | 5.08% | 4.92% | 4.91% | 4.70% |
| 2023 | 5.01% | 5.30% | 5.36% | 5.31% |
| 2022 | 3.45% | 4.05% | 4.57% | 4.64% |
| 2021 | 1.99% | 2.06% | 2.28% | 2.65% |
| 2020 | 2.41% | 2.35% | 2.17% | 2.04% |
| 2019 | 2.80% | 2.74% | 2.58% | 2.38% |
| 2018 | 2.34% | 2.43% | 2.49% | 2.69% |
| 2017 | 2.05% | 2.10% | 2.11% | 2.19% |
| 2016 | 2.24% | 2.12% | 2.04% | 1.96% |
| 2015 | 2.51% | 2.31% | 2.30% | 2.27% |
| 2014 | 3.21% | 3.00% | 2.85% | 2.66% |
| 2013 | 3.34% | 3.13% | 3.12% | 3.16% |
| 2012 | 3.73% | 3.76% | 3.62% | 3.37% |
| 2011 | 4.36% | 4.26% | 4.14% | 3.80% |
| 2010 | 5.46% | 5.15% | 4.81% | 4.48% |
| 2009 | 5.73% | 5.70% | 5.73% | 5.67% |
| 2008 | 5.50% | 5.53% | 5.69% | 5.68% |
| 2007 | 4.43% | 4.43% | 4.91% | 5.26% |
| 2006 | 4.28% | 4.23% | 4.30% | 4.46% |
| 2005 | 4.57% | 4.10% | 3.87% | 3.95% |
| 2004 | 5.02% | 4.73% | 5.00% | 4.93% |
This table shows the average mortgage interest rates during a single quarter.
