Friday, 19 June 2026
Demand for housing loans in Poland continued to strengthen in May 2026, with the value of mortgage inquiries increasing by 32.7 percent year-on-year, according to the latest BIK Housing Loan Demand Index.
The index measures the total value of housing loan applications submitted by individual borrowers to banks and credit unions (SKOKs). On a working-day adjusted basis, the value of mortgage inquiries sent to the Credit Information Bureau (BIK) in May was nearly one-third higher than in the same month of 2025.
A total of 45,090 individuals applied for a housing loan in May, compared with 38,570 applicants a year earlier, representing a 16.9 percent increase. Demand also strengthened compared with April 2026, with the number of applicants rising by 6.7 percent month-on-month.
The average value of a requested housing loan reached PLN 505,590 in May, exceeding the PLN 500,000 threshold for another consecutive month. The figure was 8.1 percent higher than a year earlier, although marginally lower than the record level recorded in March 2026.
According to Waldemar Rogowski, Chief Analyst at BIK Group, the current strength of mortgage demand is being driven by both the growing number of borrowers entering the market and the increasing value of requested loans.
Source: BIK
