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Mortgage interest rate in Poland 2013-2020

It can be seen that the mortgage interest rate in Poland decreased overall during the period under observation, reaching a value of 4.3 percent as of the first quarter of 2020. The largest mortgage interest rate during this period was found in the first quarter of 2013, when a mortgage interest rate of six percent was recorded.  

Demand for mortgage loans in Poland

    Despite the tightening of credit policy by banks, the demand for mortgage loans is not decreasing. The residential market has also seen increases both in sales and in the construction of new premises. The increase in salaries combined with the decrease in the mortgage loan cost results that Poles have no problems of buying apartments despite high prices. Higher wages also affect their creditworthiness, which is essential when applying for a mortgage. The value of housing loans amounted to a record 442.7 billion zloty in 2019. Despite a decrease in 2017, the value of debt in 2019 increased by 6.6 percent compared to the previous year. The increase in wealth has also been reflected in the average value of mortgages. In 2019, PKO BP Bank granted the largest number of mortgages to Poles, although Pekao was the leader in terms of value.

Demand for housing in Poland

    Despite a growing number of flats, the prices are not falling, but on the contrary, they are continually rising. An increase in prices was recorded in every major city. The annual rise in prices in many cities went up even by over 10 percent. The most significant price increase on the primary market was recorded in Katowice, while on the secondary market Zielona Góra prevailed. Nevertheless, Poles pay the most for a flat in the Polish capital Warsaw. In January 2020, the price per square meter of an apartment on the secondary market exceeded 11 thousand zloty, while the price per square meter on the primary market was close to 10 thousand zloty. However, the coronavirus (COVID-19) outbreak in Poland in March 2020 affected the investment plans on the real estate market. Both individual customers and developers recorded a significant drop in the number of construction projects commenced during this period.

Mortgage interest rate in Poland from 2013 to 2020

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Release date

December 2020



Survey time period

Q1 2013 to Q1 2020

Supplementary notes

* Weighted average.

Date of release is date of access.

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