According to BIK data, financial institutions They gave in April this year. More two types of loans: cash (+21.6 percent) and housing (+11.6 percent). However, they awarded less installment loans (-26.6 percent) and credit cards (-5.5 percent). This shot by number of loans. Their value has also increased significantly.
“In valuable terms, there was an increase in cash loans (+25.1 percent), housing (+17.7 percent) and in credit cards (+0.9 percent). Negative dynamics of the granted value were recorded by installment loans (-8.8 percent).” – the Credit Information Bureau informed in the Monday report.
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It was also served List for the period January-April 2025. Compared to the same period of 2024, banks and SKOKs granted more cash loans (+25.1 percent) at that time. The other three credit products recorded negative dynamics, respectively: installment loans (-28.6 percent), housing loans (-17.3 percent) and credit cards (-6.2 percent). Greater The value of credit shares concerned cash loans (+35.6 percent) and granted limits in credit cards (+3.8 percent). Dreamers were recorded by housing loans (-14.9 percent) and installment loans (-11.5 percent).
The authors of the report drew attention to “sharp braking” in installment loans, the ongoing bull market in the cash loan segment and revival in housing loans.
We are more likely to buy
According to the main analyst of the BIK group dr hab. Waldemar Rogowski, an increase in retail sales may improve the situation on the installment loan market, but this is necessary to reduce the level of uncertainty (political and economic), which would prompt Poles to greater consumption.
Referring to cash loans, Rogowski pointed out that customers are taking them on higher and higher amounts, and the main factor in sales growth in this segment are, as in last year, high -colored loans for over 50,000. zloty. This is the result of clients' consolidation by clients – he pointed out.
– Four months of this year for cash loans should be considered very successful, especially in the aspect of loans granted – PLN 38.26 billion – said Rogowski. The average amount of granted in April this year. The cash loan was 26,000 PLN 864, which means an increase of 2.9 percent compared to April 2024.
The BIK analyst assessed that she looked very good in April this year. Sale of mortgage loans. – Without any support program, and with the still, despite the reduction, the high interest rate of newly granted housing loans, the value of credit shares in April this year. amounted to PLN 8.13 billion. This is a value that has been underestimated from 2021, apart from the period from October 2023 to March 2024, i.e. the Safe Credit 2 % program. – he emphasized.
In April this year. Another record of the average amount of loan was broken – 436.87 thousand. PLN, which means an increase of 5.5 percent In relation to April last year.
