Poles return for mortgages. Applicants most from January 2024.

The demand for housing loans in March increased by 33.3 percent. yaws, and the number of applications for housing increased by 24.6 percent. BIK said in a message.

In March 2025, a total of 36.94 thousand requested a housing loan. people compared to 29.65 thousand A year earlier, which translates into yields by 24.6 percent.

In March, compared to February, the number of people applying for a housing loan increased by 11.6 percent.

The average value of the requested housing loan in March was 460.1 thous. PLN and was 7.0 percent higher than in March 2024, compared to February 2025, it was 2.4 percent higher.

BIK reports that the number of people applying for a housing loan is the highest since January 2024.

“The demand seems to arouse. In my opinion, two factors are influenced. First of all, price drops are visible especially on the secondary market, which encourage the purchase of real estate and impatient in anticipation of the adoption of a new borrower support program,” BIK says, quoting the main analyst of BIK Waldemar Rogowski.

According to him, if a loan application is submitted by more than one person, then the BIK is sent to each of these people. Partly an increase in the number of people applying for a housing loan in March may also be due to the fact that less singles are currently applying for a loan.

“The second factor affecting the amount of the index value is the average amount of the requested loan. And in this aspect we have an interesting situation, because in March a historic record was broken: the average amount was PLN 460,000. Therefore, purchases of more expensive real estate are credited, which causes the need for more frequent application for two and more potential borrowers,” writes BIK. (PAP Biznes)

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