At the developer like in a store. The new regulations can enter at an ideal moment

Offer and offers of new apartments in the largest cities

In Warsaw, the average price of a square meter of apartments offered by developers is only by less than 2 percent. higher than last year. In the capital, but also in the Tri -City, Łódź and Poznań, Kwiecień was another month, which was marked by the stabilization of the average square meter price. By 1 percent It went up in Krakow, Wrocław and Górnośląsko-Zagłębie Metropolis-according to the Big Data RynekPierwotny.pl data.

Comparing the average prices of a square meter of new apartments from April this year and the same period of last year, in Warsaw the increase is only 1.6 percent. and if stabilization remained in the following months, then We will probably see 0 percent in August Meanwhile, in Wrocław and the Tri-City, the change in the average price of a square meter in the period of 12 months was about 10 percent in April, in the Upper Silesian-Zagłębie metropolis and Łódź-approx. 5 percent, in Krakow-about 3 percent, and in Poznań-approx. 2 percent

Potential buyers of apartments will probably be pleased that April has brought a further increase in the number of apartments in the offer of development companies in Warsaw (approx. 16.9 thousand premises), Krakow (approx. 11.4 thousand), Wrocław (approx. 11.1 thousand) and Łódź (approx. 10.1 thousand). The offer of developers did not change in the Tri-City (approx. 7.8 thousand), Poznań (approx. 8.2 thousand) and the Upper Silesian-Zagłębie metropolis (about 10.5 thousand).

Housing loans

The latest data from the housing loan market can be optimistic. According to data from the Credit Information Bureau (BIK), about 35.6 thous. people. There were 3.5 percent of them. Less than in March, but remember that the reason for the fall could be Easter and the perspective of the long May weekend. The April result can therefore be considered good, which can be explained by improving the availability of housing loans. We would like to remind you that last year, 28.2 thousand loan applications were submitted last year. people.

He can also enjoy Increased positive decisions of banks. In March, 17.9 thous. households planning to buy an apartment. This result is 19 percent. better than a month earlier and 8 percent better than in the same period before a year. Let us add that in 2024 banks granted average monthly 17.3 thousand. housing loans. So you can already talk about a considerable revival on the credit market. The more that at the beginning of last year, banks finalized loan agreements with the beneficiaries of the Safe Credit 2 % program. If they were subtracted, then we would have a much higher positive dynamics year on year.

See also: The Spanish tax office has a real estate market radar. Here's what you need to watch out for

Situation in housing

January this year was record -breaking in the history of the development market in terms of the number of started apartments, but February and March brought a decrease in investment activity of development companies. As a result, in the first quarter of this year, the Central Statistical Office (GUS) added over 36.5 thousand. premises, which is a result of 13 percent. worse than in the same period before a year.

However, the investment activity of development companies is still high from earlier years. The Central Statistical Office also recorded a better beginning of the year in 2021, but then the interest rate on housing loans was at a record low level. Now, however, it also began to improve for customers.

Unfortunately, the first three months of this year brought investment revival only in Poznań (+56 percent RDR) and the Tri -City (+33 percent). In other metropolises, developers began building a much smaller number of apartments than a year ago. The situation in Wrocław may be disturbing, where the CSO recorded a decrease in the amount of 58 percent. In Łódź, he reached 33 percent, in Krakow -13 percent, in Katowice -12 percent, and Warsaw -6 percent However, if we look back, then in the case of Łódź and Katowice this year's result of the first quarter is sensational. However, he is absolutely record -breaking in the Tri -City, and in Warsaw and Poznań, however, there were already better beginnings of the year performed by development companies.

The activity of individual investors can enjoy higher than a year ago. Starting construction stabilization on the building materials market and improving the availability of loans is probably conducive to. The CSO recorded in the first quarter of this year the start of construction of nearly 18 thousand. apartments (mainly single -family houses), which means about 5 percent Growth compared to the same period last year.

Closer and closer to the openness of the prices of apartments in the offers of developers

The Sejm almost unanimously adopted a law that will impose on developers the obligation to reveal the prices of apartments in online advertisements. In this situation, the adoption of this law by the Senate (at a meeting in mid -May), seems to be a normal formality. The president will probably not refuse to sign up, which means that the new regulations will come into force in August at the latest.

Each developer will then have to run their own website, on which he will provide a general part of the information prospectus regarding the investment.

It is worth recalling that the potential buyer of the apartment will find there, among others:

• Data about the developer,
• Description of the project,
• legal status of land and permission,
• construction work schedule (stages, planned dates),
• Basic technical parameters of the building (number of floors, materials, installations) and the standard of finishing common parts (e.g. staircase, greenery),
• information on the land and mortgage registers of individual premises,
• type of payment security,
• rights and obligations of the parties to the development agreement,
• information on investment financing,
• Developer's statements about the relevance and truthfulness of the data contained in the prospectus.

But The prices of the offered apartments (both per square and unit) and rooms belonging to VAT are a key issue. Importantly, in the event of a change in prices, the developer will update the information on the website, but will retain the previously provided. So it will be analogous to the stores, which the Omnibus directive has already accustomed us to.

Prices of building materials

In March, the average price of construction products in 20 assortment groups was 1.2 percent. lower than a year ago. In three assortment groups, prices were higher, in four they did not change, and in 13 were lower – according to the latest report of the PSB Handel group.

The increases concerned the category: OSB boards, wood (+12 percent), home surroundings (+5 %) as well as cement and lime (+1 %). Last year's price level (+/- up to 0.5 percent) remained in terms of walls and chimneys, installations and heating as well as motoring and decorations.

In turn, a decrease in prices to 1 percent It was recorded in the following categories: carpentry, paints and varnishes, garden and hobby, construction chemistry as well as tiles, bathrooms and kitchens, as well as equipment and household appliances. The groups: Tools and roofs and gutters (after -2 %), waterproof insulation as well as lighting and electrics (after -3 %), thermal insulation (-5 percent) and finishes (-6 percent) came further in order. The largest drop in prices occurred in the Sucha Building category (-7 percent).