Mortgage Loans: 56% Leap in New Lending in 2026

2026 starts dynamically for mortgage loans with a 56% increase in disbursements. Learn about the new opportunities and “My Home II” (Spiti Mou II) now!

Why are mortgage loans recording a historic high in 2026?

The mortgage credit market is experiencing its best start since 2014, marking an impressive 56% rise in the first two months of 2026. After 14 years, the financing rate turned positive, as new disbursements (€314 million) exceeded repayments. This recovery is fueled by the steady rise in property prices and the strategic move by banks to offer more attractive terms. 🏡

What is the role of the “My Home II” program?

The state program “My Home II” (Spiti Mou II) is the main “pillar” of this increase, covering approximately 35% of total lending. The high demand for subsidized loans has shown that borrowing costs are the decisive factor for buyers. Even for those who do not meet the program’s strict criteria, banks have created new, competitive products to facilitate first-home ownership. 💡

How are interest rates and banking policy being shaped?

Banks are proceeding with reductions in fixed interest rates and narrowing spreads on floating rates, aiming to stimulate retail banking. Despite uncertainty due to international developments, credit institutions appear willing to absorb potential ECB increases, keeping mortgage loans affordable. The goal is for disbursements to reach €3 billion by the end of the year, providing significant liquidity to the real estate market. 💰