Thursday, 6 November 2025
Demand for housing loans in Poland continued to strengthen in October 2025, with the value of mortgage inquiries up by 34.3% year on year, according to the latest BIK Index of Demand for Housing Loans. The figure reflects higher interest in bank financing for home purchases as borrowers anticipate the impact of lower interest rates.
A total of 42,920 individuals applied for a housing loan in October, compared to 34,480 in the same month of 2024—an increase of 24.5%. On a monthly basis, applications rose 7.6% from September.
The average value of requested mortgages reached PLN 474,860, up 7.9% year on year and 0.5% month on month. Analysts note that this steady rise in average loan amounts indicates both rising housing prices and greater borrowing capacity among consumers.
“In October this year, almost a quarter more people than a year ago applied for a home loan. This confirms the growing trend of interest in bank credit for the purchase of one’s own apartment. The appetite of borrowers grows in parallel with decisions and even the Monetary Policy Council’s announcements regarding interest rates,” said Sławomir Nosal, Head of the BIK Analysis Team.
“The impact of the last 0.25-point rate cut in early October will be more visible in November’s data. If current sales and average loan values persist, we could see a record year for mortgage lending in 2025,” he added.
The BIK Index of Demand for Housing Loans measures changes in the total value of mortgage applications submitted by individual borrowers compared with the same period a year earlier, adjusted for the number of working days. The index is a key forward indicator for assessing mortgage market momentum.
Source: Biuro Informacji Kredytowej (BIK), “Indeks Popytu na Kredyty Mieszkaniowe – październik 2025.”
