The first apartment through the eyes of young people. This motivates a new generation of buyers
The real estate market in Poland is changing dynamically. Just a few years ago, developers' main clients were people in their thirties and forties, buying larger apartments or houses with investment in mind. Today the picture looks different. It is young people up to 35 years of age who become the driving force of the market. Their decisions, needs and emotions set new purchasing standards and require a completely new approach from developers and financial institutions.
The Lendi report was based on the Morizon–Gratka study from July 2025. The online survey covered over 1,000 people planning to buy an apartment. Respondents answered questions about purchasing preferences, sources of financing, stress level, use of online tools and the role of financial experts in the purchase process.
The online survey covered over 1,000 people planning to buy an apartment
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Pixel-Shot / Shutterstock
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Young people's purchasing preferences: apartment or house, primary or secondary market
The authors of the report distinguish two key segments of young buyers:
- People under 25 years of age – often just starting their adult life, looking for small apartments in large cities, the priority is mobility and proximity to work, university and social life
- People aged 25-34 – have greater professional stability, are more likely to start families and are interested in larger apartments and sometimes also houses outside the city center
Although both segments differ in preferences and approach to financing, they have one thing in common: the desire to buy their own apartment. For them, this decision is not only a financial matter, but also a symbolic step into adulthood.
Young people are more willing to choose the primary market
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Lendi
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Digital tools and fintech in the process of purchasing an apartment by young people
Young buyers have “digital DNA”. In a world where online shopping is the norm, they expect fast, transparent and intuitive processes, also when purchasing real estate. Loan calculators, virtual tours and 3D visualizations are becoming standard. The lack of digital tools means a real risk of losing interest in this group of customers.
Krzysztof Kuniewicz from 3D Estate emphasizes: – Young clients want to experience real estate digitally – before they even enter the construction site. For them, a virtual tour or 3D visualization is not a gadget, but a standard. Anyone who does not offer such tools effectively loses the chance to attract the interest of this group.
Stress and financial barriers – what stops young people from buying
The youngest buyers are just building their creditworthiness and are often afraid that the bank will reject their application. Older people have a greater chance of getting a loan, but also have greater obligations to take into account when making a purchase decision. High levels of stress and financial uncertainty are common factors that delay decisions. The role of financial experts here is not only to provide advice, but also to support people in reducing stress and building a sense of security.
Conclusions for developers and financial experts – how to adapt the offer to the first-time generation
The first chapter of the Lendi report clearly shows that young buyers are the main driver of demand and their decisions force changes in the industry. The conclusions for the market are clear:
- Young buyers are the most important group of customers – their share in demand is growing
- Digitization of the apartment purchasing process is becoming a necessity
- Two segments of young people require different approaches – the youngest are more impulsive and limited by creditworthiness, the older ones are more stable but with greater obligations
And what does the author of the report himself comment on these conclusions? Tomasz Pilecki from Lendi assesses: – Young buyers are becoming one of the most important groups shaping demand on the development market today – he explains.
– They are distinguished by a different decision-making process, based on analysis, comparing offers and making decisions at a much earlier stage, often before direct contact with the developer – he says and adds that this is the result of widespread use of online technologies and toolsthat change established patterns of apartment sales.
– For developers, this means the need to keep up with these needs — both in terms of digital presentation of offers, as well as transparency of information and support in the purchasing process – argues Pilecki.
This is just the beginning of discovering the market through the prism of young buyers. In subsequent texts, we will gradually reveal further findings from the Lendi report – from financing to emotions and purchasing barriers – so that both the industry and young customers can better understand what really drives decisions about their first apartment.
