20:50 28 June 2026
Poles taking more and more mortgages
Poles are taking out more mortgages, but they are much more cautious than buyers during the previous housing boom. In Q1 2026, financial intermediaries helped arrange 47,200 home loans worth PLN 22.43 bln, up 56.8% year on year, according to the Association of Financial Companies in Poland. Many returning borrowers had previously lacked creditworthiness or rejected high monthly payments. Today, however, they focus on total loan costs, long-term budget impact and repayment risk.
Otodom data shows 61% prefer a higher fixed payment to the uncertainty of variable rates, while 74% choose fixed or temporarily fixed interest. Borrowers increasingly seek expert support, although many still misunderstand how intermediaries work.
(pb.pl)
