Czech mortgages: banks' rates today, a calculator and fixation ends
Mortgage rates from the banks' calculators every day by fixation, ČNB's average rate of new mortgages, a payment calculator, the new payment when a fixation ends and whether to repay early or save.
Banks rates by fixation
| Bank | Lowest | 1 yr | 2 yr | 3 yr | 4 yr | 5 yr | 7 yr | 10 yr |
|---|---|---|---|---|---|---|---|---|
| Fio banka | 4.78% | 4.78% | 4.78% | 4.78% | – | 4.88% | – | – |
| Moneta | 4.79% | 4.79% | – | 4.99% | – | 5.39% | 5.69% | 5.79% |
| Raiffeisenbank | 4.99% | – | – | – | – | – | – | – |
| UniCredit Bank | 5.29% | – | 5.29% | 5.39% | – | 5.79% | – | – |
| Air Bank | 5.39% | – | 5.39% | 5.39% | – | 5.49% | 5.69% | 5.89% |
| Česká spořitelna | 5.49% | – | – | – | – | – | – | – |
| mBank | 5.59% | 5.99% | – | 5.59% | – | 5.79% | – | – |
| Komerční banka | 5.69% | 5.69% | 5.99% | 6.14% | 6.29% | 6.49% | – | – |
| ČSOB Hypoteční banka | 5.69% | 5.69% | – | 5.79% | – | 6.19% | 6.69% | 6.99% |
Questions
Which bank has the lowest mortgage rate now?
Of the 9 banks whose calculators we read, Fio banka shows the lowest rate: 4.78% fixed for 1 year. It is the offer on the bank's page; your rate depends on the loan against the property's value, income and insurance.
What is the average mortgage rate?
According to ČNB, purely new mortgages signed in September 2026 averaged 5.17%, a year before 4.59%. Refinancing and renegotiation at the same bank aren't in it; with every contract the average is 4.97%.
How does my payment change when my 3-year fixation ends?
A CZK 3,000,000 mortgage over 30 years signed 3 years ago at that month's average 5.83% paid CZK 17,657 a month. With the CZK 2,878,923 left and today's average 5.17% it comes to CZK 16,498, −CZK 1,159 a month.
How does my payment change when my 5-year fixation ends?
A CZK 3,000,000 mortgage over 30 years signed 5 years ago at that month's average 2.42% paid CZK 11,731 a month. With the CZK 2,638,214 left and today's average 5.17% it comes to CZK 15,682, +CZK 3,951 a month.
Can I deduct mortgage interest from tax?
Yes. Interest paid comes off the tax base, for a home acquired from 2021 at most CZK 150,000 a year per household (CZK 300,000 for earlier ones). At the 15% tax that returns up to CZK 22,500 a year.
Can I repay a mortgage early without a fee?
Without a fee always at the end of a fixation. Other cases and the highest fee are set by the consumer credit act and your contract; contracts from 1 September 2024 have stricter rules than older ones. Many banks allow more; check your contract.