Mortgage interest rate in Poland 2013-2023

It can be seen that the mortgage interest rate in Poland increased overall during the period under observation, reaching a value of 7.2 percent as of the fourth quarter of 2023.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 in Poles having no problems 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 2021, Bank Millennium granted the largest number of mortgages to Poles, although Bank PKO BP 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 between 12 and 14 percent. The most significant price increase on the primary market was recorded in Warsaw, while on the secondary market, Wroclaw prevailed. Nevertheless, Poles pay the most for a flat in the Polish capital Warsaw. In December 2023, the price per square meter of an apartment on the secondary market exceeded 17.5 thousand zloty, while the price per square meter on the primary market was close to 16.4 thousand zloty. However, the coronavirus (COVID-19) outbreak in Poland in March 2020 affected the investment plans in the real estate market. Both individual customers and developers recorded a significant decline in the number of construction projects commenced during this period.

观察期内，波兰的抵押贷款利率整体呈现上升态势，截至2023年第四季度，其利率已上升至7.2%。尽管银行实施了信贷政策收紧措施，但波兰抵押贷款的需求并未减少。住宅市场在销售和新建房屋方面均有所增长。随着薪资水平的提高以及抵押贷款成本的降低，波兰居民在房价高昂的情况下购买公寓亦无障碍。更高的薪资水平也提升了他们的信用度，这对于申请抵押贷款至关重要。2019年，住房贷款的总额达到了创纪录的4427亿兹罗提。尽管2017年有所下降，但2019年的债务总额较上年同期增长了6.6%。财富的增长亦体现在抵押贷款的平均价值上。2021年，Millennium银行向波兰居民发放的抵押贷款数量最多，尽管PKO BP银行在贷款价值方面位居首位。波兰的住宅需求尽管公寓数量不断增加，但房价并未下降，反而持续攀升。几乎所有主要城市的房价均有所上涨，其中许多城市的年度涨幅介于12%至14%之间。在一级市场上，华沙的房价涨幅最为显著，而在二级市场上，弗罗茨瓦夫则占据主导地位。然而，波兰居民在首都华沙购买公寓的价格最高。截至2023年12月，二级市场上公寓每平方米的价格超过17.5千兹罗提，而一级市场的每平方米价格接近16.4千兹罗提。然而，2020年3月波兰爆发的冠状病毒（COVID-19）疫情影响了房地产市场的投资计划。在此期间，无论是个人客户还是开发商，开工建设的建设项目数量均出现了显著下降。