Poland Mortgage Lending Market Report 2025-2027, Featuring Key Players PKO Bank Polski, Bank Pekao, Mbank, Santander, Millennium And ING Bank

(MENAFN- GlobeNewsWire - Nasdaq) Poland's mortgage lending market is projected to reach PLN 647 billion by 2027, with GDP penetration rising from 13% to 15%. Despite the lack of first-time buyer incentives, stabilizing property prices and rising incomes are expected to sustain lending growth. Interest rate fluctuations remain a key risk factor, as the Monetary Policy Council (RPP) balances fiscal expansion with restrictive monetary policy. The report analyzes market size, lending trends, competitive structure, and a forecast through 2027, featuring key players like PKO Bank Polski, Bank Pekao, mBank, Santander, and ING Bank.

Dublin, March 05, 2025 (GLOBE NEWSWIRE) -- The "Mortgage Lending in Poland, 2025-2027" report has been added to ResearchAndMarkets.com's offering.

Poland's mortgage market is poised for steady growth through 2027, supported by sustained economic momentum and improving housing affordability. Despite the lack of confirmed government interventions for first-time buyers, moderating property prices and rising disposable incomes are expected to sustain lending volumes.

Under a baseline scenario (assuming no major policy shifts), outstanding mortgage balances are projected to reach PLN 647 billion by 2027, with the mortgage-to-GDP ratio recovering from 13% to 15%. A critical risk to this outlook remains the trajectory of interest rates. The Monetary Policy Council (RPP) faces continued pressure to sustain a restrictive monetary policy to offset expansionary fiscal measures. Any recalibration of rates - whether upward or downward - would materially influence borrowing costs, affordability, and ultimately, lending activity.

The latest edition of the research report "Mortgage Lending in Poland 2025-2027" 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.

Companies Featured

• PKO Bank Polski
• Bank Pekao
• mBank
• Santander
• Millennium
• ING Bank

Key Topics Covered:

1. Residential real estate stock & prices

• New dwellings completed, starts, permits, 2010-2024
• New dwellings completed by regions, 2024
• Residential real estate prices in key cities, 2015-2024
• Value and volume of transactions involving real estate, 2017-2023

2. Mortgage lending

• Total outstanding lending to households by type of loan, 2020-2024
• Mortgage loans to households outstanding, local vs. foreign currency, 2020-2024
• Mortgage lending penetration benchmarks - International comparison, 2024 Q3
• Mortgage lending in Poland vs. Europe- market size vs. growth, 2022-2024 Q3
• Number of new mortgage loans, value of new loans, average new loan size, 2020-2024
• New sales of mortgage loans to individuals monthly/annual averages: 2019- Dec.2024
• New mortgage loans by size, and by LTV, 2019 - 2024 Q3
• Top banks by outstanding mortgage loans, 2024 Q3 vs. 2023 Q3
• New mortgage contracts - split by type of interest rate applied (fixed ARM vs. variable), 2021 Q4- 2024 Q3
• Average lending margins evolution - PLN loans, 2020-2024
• The evolution of mortgage loan NPLs, 2022-2024

3. Forecast

• Mortgage loans - outstanding value forecast (PLN, FX loans), GDP penetration, 2025-2027(F)

For more information about this report visit

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