Modrá pyramida mortgage: the product has ended
Modrá pyramida stopped providing its Hypoúvěr mortgage loan at the end of 2025. New mortgages in the group are now only given by Komerční banka. If you are already repaying a Hypoúvěr, nothing changes for you.
What happened?
The Komerční banka group unified its mortgage offer. Modrá pyramida stopped providing the Hypoúvěr loan on 31 December 2025, and from 2026 new mortgages in the group are only arranged under the name Komerční banka mortgage.
Modrá pyramida itself has not ceased to exist. It remains a building savings bank, administers existing mortgages, and still offers building savings and loans from it. The only change is that you can no longer arrange a new mortgage with it.
Komerční banka announced this on 6 January 2026 as follows: "Modrá pyramida stavební spořitelna, part of the Komerční banka Group, ended the provision of its Hypoúvěr mortgage loan as of 31 December 2025." Checked 21. September 2026.
I am repaying a Hypoúvěr. Does anything change for me?
No. Contracts continue on the terms you agreed.
The end of sales concerns new applications, not running loans. Your rate, fixed-rate period and repayment stay as set out in your contract. Modrá pyramida continues to administer the mortgages.
What is worth paying attention to is the end of your fixed-rate period. The offer of a new rate will arrive as before, and it is still worth comparing it with the market, the same as with any other bank. How this works, and when leaving is free, we cover under the entry Fixed-rate period.
The press release states: "Clients using the Hypoúvěr will not be affected by the change in any way; their contracts continue on the terms they agreed."
So where do I arrange a mortgage now?
With Komerční banka, within the group. Our adviser will arrange it for you.
The practical consequence: if you went to Modrá pyramida for something specific, for example a link to building savings, it is worth having several banks compared, because terms differ and what one bank will not approve, another might. We have set out Komerční banka's terms on our Komerční banka mortgage page.
Building savings and loans from building savings remain with Modrá pyramida. It is a different product from a mortgage: a loan from building savings is tied to the amount saved and tends to be for lower amounts, while a bridging loan lets you draw funds before that amount has been saved.
Frequently asked questions
Can I refinance a Hypoúvěr elsewhere?
Yes, the same as any other mortgage. At the end of the fixed-rate period, the bank cannot charge you anything for early repayment, so that is the cheapest moment to switch. Outside the fixed-rate period, the bank may ask for compensation of its costs, but it is limited.
Is a loan from building savings the same as a mortgage?
It is not. A loan from building savings follows on from the amount saved, has its own rules and is usually for lower amounts. A mortgage is secured by a charge over the property and does not require prior saving. For smaller renovations a loan from building savings can work out better; for buying a flat, almost never.
Do you arrange a Modrá pyramida mortgage?
We do not, because Modrá pyramida has not provided it since 2026. The offer was taken over by Komerční banka from the same group; our adviser arranges that and compares it with other banks for you.
Will my mortgage move to KB automatically?
It will not. Modrá pyramida continues to administer existing mortgages, and your contract stays where it is. The change only concerns where new loans are arranged.