Poles are massively borrowing housing loans

According to the latest data from the Credit Information Office (BIK), in April 2025 the value of granted housing loans increased by 17.7% y/y, reaching PLN 8.128 billion. This is the highest score since 2021, not counting the duration of the government's “Safe Credit 2%” programme. The number of fresh loans increased by 11.6% y/y – last period banks granted 18.6 1000 loans for the acquisition of real estate.

Average debt amount records

In April 2025. average value of housing credit was PLN 436.87,000, which means an increase by 5.5% compared to the erstwhile year. As indicated Waldemar Rogowski, the main analyst of the BIK Group:

"Another evidence of the average amount of credit granted was PLN 436.87,000. The increase in value is due to both an increase in interest in loans and a favourable situation in the housing market."

Why do Poles take credit again?

Experts point to respective key factors:

• Waiting for further interest rate reductions (WIBOR 6M is already 5%).
• Improving the real property market – both primary and secondary.
• Expiration of the Safe Credit 2% effectwhich had previously artificially driven the market.

Although the number of loans decreased by 17.3% y/yand their value by 14.9%, April data shows a clear revival.

Cash loans besides up – Poles consolidate debt

Not only do housing loans have more interest. In April 2025 the banks granted 376,6 1000 cash loans (height by 21.6% y/y) and their full value reached PLN 10.118 billion (height by 25.1% y/y).

"Customers take cash loans for always higher amounts, and the main origin of growth are loans over PLN 50 thousand. This is the effect of consolidation of commitments’ – comments Waldemar Rogowski.

In the first 4 months of 2025, the value of cash loans granted was PLN 38.26 billion, which confirms a strong trend in this segment.

Summary: The credit marketplace is back in play

• Housing loans: value increase by 17.7% y/y, average amount PLN 436.87,000.
• Cash loans: growth by 21.6% y/y number and 25.1% y/y in value.
• Market drivers: lower interest rates, improvement in the real property market, debt consolidation.

Is this the start of a fresh credit boom? It all depends on further decisions of the MPC and the economical situation.

• 

  Belarusian convicted of espionage in Poland27 May 2025

  The Lublin territory Court ruled on spying for Belarus. 53-year-old Belarusian citizen Nikolay M., was sentenced to 2 years and 2 months in prison

• 

  Poles are massively borrowing housing loans27 May 2025

  According to the latest data from the Credit Information Office (BIK), in April 2025 the value of granted housing loans increased by 17.7% y/y, reaching PLN 8.128 billion. That's the highest score.

• 

  Poles take cash loans massively – evidence increases in 202527 May 2025

  New data of the Credit Information Office (BIK) show that Poles are increasingly eager to scope for cash loans, while the popularity of installments is decreasing. What affects these changes