A Glimmer of Hope? Mortgage Rates Fell the Most in October Since the Beginning of the Year

Novinky.cz

Lean Left

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Ownership

Mortgage interest rates have been falling since the end of the summer holidays. According to the Swiss Life Hypoindex indicator, the average offer rate in October fell by an unprecedented 0.8 percentage points to 4.91 percent. This is the lowest since April 2022.

iDNES.cz

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Ownership

Average mortgage offer rates returned below the 5% mark in September 2025, and the trend of mortgage discounts continued in October. The Swiss Life Hypoindex fell to 4.91% in October, the lowest since April 2022. The decline is driven by five-year fixations, while three-year rates increased slightly. The model mortgage payment approached the 20,000 CZK mark per month.

ceskenoviny.cz

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Ownership

Prague - The average mortgage rate fell at the beginning of October and is the lowest since April 2022. It was 4.91 percent, down 0.08 percentage points compared to September. The driver of the decline is five-year fixations, while three-year rates increased slightly. This is according to data from the Swiss Life Hypoindex, which is compiled based on offer rates at the beginning of each month. The methodology reflects the current average offer r…