The latest edition of the research report titled ""Mortgage Lending in Poland 2025-2027"" by Inteliace Research. This report builds on the success of earlier editions and offers an updated perspective on emerging trends in the Polish mortgage lending market. As with previous versions, the analysis encompasses various aspects, including market size, competitive structure, market shares, and lending margins. Additionally, a mid-term forecast of mortgage outstanding value through 2027 has been included.Research findings have been presented in a structured and logical way in the form of a horizontal presentation on 25 slides.
- Executive summary
- 1. Residential real estate stock & prices
- Slide 1: New dwellings completed, starts, permits, 2010-2024
- Slide 2: New dwellings completed by regions, 2024
- Slide 3: Residential real estate prices in key cities, 2015-2024
- Slide 4: Value and volume of transactions involving real estate, 2017-2023
- 2. Mortgage lending
- Slide 5: Total outstanding lending to households by type of loan, 2020-2024
- Slide 6: Mortgage loans to households outstanding, local vs. foreign currency, 2020-2024
- Slide 7: Mortgage lending penetration benchmarks - International comparison, 2024 Q3
- Slide 8: Mortgage lending in Poland vs. Europe- market size vs. growth, 2022-2024 Q3
- Slide 9: Number of new mortgage loans, value of new loans, average new loan size, 2020-2024
- Slide 10: New sales of mortgage loans to individuals monthly/annual averages: 2019- Dec.2024
- Slide 11: New mortgage loans by size, and by LTV, 2019 - 2024 Q3
- Slide 12: Top banks by outstanding mortgage loans, 2024 Q3 vs. 2023 Q3
- Slide 13: New mortgage contracts - split by type of interest rate applied (fixed ARM vs. variable), 2021 Q4- 2024 Q3
- Slide 14: Average lending margins evolution – PLN loans, 2020-2024
- Slide 15: The evolution of mortgage loan NPLs, 2022-2024
- 3. Forecast
- Slide 16: Mortgage loans – outstanding value forecast (PLN, FX loans), GDP penetration, 2025-2027(F)
- Methodological notes
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