The Credit Information Bureau stated that in March the increase in queries about housing loans was 33.3 percent compared to the same period of the previous year. In turn, the number of applications for housing loans increased by 24.6 percent. In March, a historic record was also broken – the average amount of the requested loan amounted to PLN 460,000.
In March 2025, Fr. The housing loan requested A total of 36.94 thousand 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 it amounted to 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 Number of people applying for a housing loan It is the highest since January 2024.
Housing loans. BIK analyst: The demand seems to wake up
– The demand seems to wake up. 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 borrowers' support program – says BIK, quoting the main analyst of BIK Waldemar Rogowski.
BIK. Demand for housing loansBike
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 460 thousand. zloty. Therefore, purchases of more expensive real estate are credited, which causes the necessity to apply for two or more potential borrowers more frequently – writes BIK.
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