It will be easier for loans not only because of the decrease in the feet. Good news from banks
According to the NBP, the changes in credit policy in the first quarter of 2025 had a relatively small scale. Banks softened the criteria for granting consumer loans and for the SME sector, which mainly justified the increase in competitive pressure. In the case of housing loans and large enterprises, the criteria have not been significantly changed. Banks felt an increase in demand for consumer loans and loans for enterprises and a decrease in demand for housing loans.
What next? It seems that the availability of financing can improve not only due to the main factor, i.e. the expected reduction of interest rates in Poland (on Wednesday, the MPC will decide on this matter), but also will be conducive to changes in the credit policy of banks.
The NBP survey shows that in the second quarter of 2025, banks intend to continue to alleviate the criteria for granting loans for households and for SMEsand in the case of large enterprises – tighten for short -term loans. They expect an increase in demand for all types of loans, especially for consumer loans.
In housing loans Banks do not plan significant changes in the criteria while alleviating most of the conditions for granting such financing (including reduction of the credit margin) motivated by an increase in competitive pressure from other banks and improving the capital situation of banks and forecasts of the situation on the housing market.
Banks, however, recorded a decrease in demand for housing loans in the first three months of the year due to the situation on the housing market and a decrease in the use of alternative sources of financing, including household savings. However, expectations for the second quarter assume the relief of credit policy and an increase in demand for housing loans.
See also: “It's high time.” A member of the MPC announces an application for cutting interest rates [WYWIAD]
In consumer loans Once again, the criteria for credit policy and simultaneous alleviation of most loans (including increasing the maximum loan amount and reduction of the credit margin) were softened mainly in the credit margin) mainly competitive pressure from other banks.
There was a re -increase in demand, including as a result of an increase in the demand for financing the purchase of permanent use. They assume waiting for the second quarter re -alleviating credit policy and further increase in demand for consumer loans expected by most banks.
In the case of loans for enterprises Banks' policy provides for a lack of changes in the criteria for granting loans for large companies and alleviating in the case of SMEs and alleviating the terms of credit policy, i.e. reduction of the credit margin and non -interest credit costs; Changes justified by an increase in competitive pressure from other banks.
In the first quarter, an increase in demand for all types of loans was noted, especially from large enterprises, as a result of a decrease in the use of own funds and the issue of debt papers.
Waiting for the second quarter assume the relief of the credit policy towards the SMEsignificantly greater than in the first quarter; Execution for short -term loans for large enterprises; Increased demand for all types of loans.
