Housing loans installments to decrease for some in ‘26

In 2026, Polish households will face mixed financial effects. Borrowers, especially mortgage holders, will benefit from lower loan installments after multiple interest-rate cuts by the Monetary Policy Council, which brought inflation back to the National Bank of Poland target. However, savers will earn less, as bank deposits and retail government bonds will offer lower yields. The situation is compounded by a sharp rise in the banking sector’s CIT tax, which is likely to translate into higher fees and commissions for customers.

A planned introduction of Personal Investment Accounts (OKI) from mid-2026 may encourage long-term investing through tax incentives, but limited investment opportunities on the Warsaw Stock Exchange raise doubts about their effectiveness.