12/10/2025
Rent or mortgage?
What really pays off? In some cities, monthly mortgage payments for your own home can currently be higher than rent. However, in the long run, investing in real estate proves rewarding. Every mortgage payment builds your own property, while rent is money that’s gone for good.
According to data from the Czech statistical office, property prices have been steadily increasing: new apartments in Prague went up by more than 15% year-on-year, while older ones went up by 13%. Across the country, the average growth rate is around 16%.
Even though a mortgage may seem more expensive at first glance, owning your home brings security, freedom, and long-term value — which is why it still beats renting.
