In 2025, building savings banks in the Czech Republic recorded significant growth in lending activity. According to data released by \u010cTK, the five building societies operating in the country granted loans totaling 67.2 billion Czech koruna<\/strong>, marking a 30.4%<\/strong> year-on-year increase compared to 2024. This result confirms the central role of building savings in housing finance, particularly at a time of rising property costs and growing attention to housing quality.<\/p>\n Driving the market expansion were above all loans not secured by property<\/strong>, mainly used for the renovation of apartments and houses<\/strong> and for energy efficiency improvements<\/strong>. This type of financing accounted for 86% of the 51,258 loans granted<\/strong> during the year. The volume of unsecured loans reached 38.8 billion koruna<\/strong>, recording a 41.5% year-on-year increase<\/strong>, highlighting a growing demand for flexible and fast solutions to upgrade existing housing stock.<\/p>\n In 2025, the average size of loans granted by building societies also increased. While in 2024 the average loan stood at 1,071,200 koruna<\/strong>, last year it rose to 1,310,430 koruna<\/strong>. At the same time, the total number of loans issued increased by 6.6%<\/strong>, indicating not only higher overall volumes but also a tendency among clients to apply for larger amounts, often linked to more complex renovation projects or energy-saving investments.<\/p>\n Contrary to the strong growth in lending, the number of new building savings contracts<\/strong> recorded a slight decline. In 2025, 437,067 new contracts<\/strong> were signed, 3.4% fewer<\/strong> than in the previous year. The total target amount<\/strong>, which reflects clients\u2019 future intentions to save or borrow, also fell by 5.7%<\/strong>, dropping to 292.6 billion koruna<\/strong>. Nevertheless, according to the Association of Czech Building Societies (A\u010cSS), building savings remain a reliable, safe and predictable financial instrument.<\/p>\n \u201cThe 2025 data clearly show that building societies play a fundamental role in financing higher-quality housing in the Czech Republic,\u201d said Pavel \u010cejka, executive director of the A\u010cSS. The performance of individual institutions confirms a dynamic market, with strong growth for \u010cSOB and Raiffeisen, while other players posted more moderate results. Overall, the sector continues to represent a key pillar of the Czech financial system, especially for households focusing on renovations, sustainability and improving the energy efficiency of their homes.<\/p>\n Source: Ceske noviny<\/span><\/em><\/p>\n","protected":false},"excerpt":{"rendered":" Building savings fuel the housing loan market In 2025, building savings banks in the Czech Republic recorded significant growth in lending activity. According to data…<\/p>\n","protected":false},"author":3,"featured_media":61877,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[93],"tags":[],"class_list":["post-61881","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"_links":{"self":[{"href":"https:\/\/www.dreamville.cz\/en\/wp-json\/wp\/v2\/posts\/61881","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.dreamville.cz\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.dreamville.cz\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.dreamville.cz\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.dreamville.cz\/en\/wp-json\/wp\/v2\/comments?post=61881"}],"version-history":[{"count":1,"href":"https:\/\/www.dreamville.cz\/en\/wp-json\/wp\/v2\/posts\/61881\/revisions"}],"predecessor-version":[{"id":61882,"href":"https:\/\/www.dreamville.cz\/en\/wp-json\/wp\/v2\/posts\/61881\/revisions\/61882"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.dreamville.cz\/en\/wp-json\/wp\/v2\/media\/61877"}],"wp:attachment":[{"href":"https:\/\/www.dreamville.cz\/en\/wp-json\/wp\/v2\/media?parent=61881"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.dreamville.cz\/en\/wp-json\/wp\/v2\/categories?post=61881"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.dreamville.cz\/en\/wp-json\/wp\/v2\/tags?post=61881"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}Unsecured loans lead the growth<\/h3>\n
Average loan amounts on the rise<\/h3>\n
New building savings contracts decline<\/h3>\n
The role of building societies in the housing market<\/h3>\n