Thursday, 15 January 2026
Building societies in the Czech Republic provided housing-related loans totalling CZK 67.2 billion in 2025, representing a 30.4% year-on-year increase, according to data from all five Czech building societies compiled by the Czech News Agency.
The growth was driven mainly by rising demand for unsecured loans, typically used for apartment and house renovations and energy-efficiency improvements. These loans accounted for 86% of all loans granted, or 44,132 contracts, with their total volume rising by 41.5% year on year to CZK 38.8 billion.
“The figures for 2025 clearly show that building societies are an important part of financing better housing in the Czech Republic,” said Pavel Čejka, Executive Director of the Association of Czech Building Savings Banks. “Just available unsecured loans for renovations of apartments and houses and for energy savings today represent a significant reason why people actively use building savings.”
The total number of loans granted rose by 6.6% compared with 2024, while the average loan amount increased from CZK 1.07 million to CZK 1.31 million.
Interest in new building savings contracts declined slightly. In 2025, building societies concluded 437,067 new contracts, down 3.4% year on year. Despite this decrease, Čejka said building savings remain attractive. “At a time of more expensive housing, it confirms its role as a convenient, safe and predictable source of funding, as evidenced by 437,000 newly concluded contracts in 2025,” he noted.
The lower number of new contracts was accompanied by a reduction in the aggregate target amount, which fell by 5.7% year on year to CZK 292.6 billion. The target amount reflects clients’ future intentions regarding how much they plan to save or borrow for housing.
Among individual institutions, ČSOB Building Savings Bank recorded the highest loan volume at CZK 19.8 billion, followed by Raiffeisen Building Savings Bank with CZK 16.7 billion and SSČS with CZK 18.0 billion. The Blue Pyramid reported a slight year-on-year decline in lending, while Moneta Building Savings Bank recorded a sharp drop from a relatively low base.
Overall, the data indicate that while demand for new savings contracts eased, building societies strengthened their role in housing finance in 2025, particularly through unsecured lending linked to renovations and energy-saving investments.
