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The period from March to August 2020 saw noticeably weaker demand for home loans in Poland. This state results from the outbreak of the coronavirus (COVID-19) pandemic in Poland in March 2020. The highest decline in the demand for housing loans was recorded in August 2022 due to the high inflation. One of the main reasons for the decline in demand was also tightening and rising interest rates that reduced the creditworthiness of potential borrowers. As of June 2025, the demand for mortgage loans continues to evolve, with the latest data indicating a value of **** ±è±ð°ù³¦±ð²Ô³Ù.Ìý

Loan market in Poland

In 2023, the net value of loans to households in Poland was *** billion zloty, representing a decrease of *** percent over the previous year. In this period, in terms of credit type, the highest value was achieved by real estate loans granted to households. Their value amounted to over *** billion zloty, followed by consumer loans with a total value of nearly *** billion zloty.

Mortgage loans in Poland

In 2023, there has been a continuing trend of decreasing the popularity of housing loans up to 100,000 zloty. A growing number of Poles have taken out loans of the value of over ** zloty. And the average value of a mortgage loan in 2023 increased by ** percent compared to the previous year and amounted to nearly ** zloty. In this period, Poland’s number of active mortgage loans also decreased, reaching nearly *** million.