Thanks to high inflation, interest rates have risen to unprecedented highs. These rates are completely unsustainable economically. The mortgage market fell by 60% year-on-year in April. This will lead to lower rates sooner or later, and together with that, yields on government bonds will fall again. Therefore, in our opinion, it is advisable to take advantage of this situation and ensure the appreciation of free capital with a high interest rate . The CNB targets long-term inflation at 2% and long-term interest rates at 2.5%, and we will almost certainly get there.