Úrokové sazby hypoték klesají. Jak si vybrat ten správný produkt a čeho se vyvarovat? Přehledný průvodce pro žadatele.
The current situation on the mortgage market
After two years of high rates, interest rates are finally improving. The average rate for a 30-year mortgage stands at around 3.8% in the first quarter of 2026.
Fixed-rate period – a key decision
Choosing between a short (3-year) and a long (10-year) fixed-rate period is difficult in the current situation. We generally recommend:
- Short-term fixed rate – if you expect rates to fall further.
- Long-term fixed rate – if you prefer certainty regarding your repayments.
What to watch out for
Early repayment fees, property insurance and life insurance can significantly increase the overall cost. Always compare the APR, not just the interest rate.
