According to BIK, in February 2025 banks and SKOKs, as a working day, sent inquiries about housing loans in the amount of 37.2 percent. higher than in February 2024. The number of loan applications has also increased. BIK emphasizes, however, that if more than one person applies for a loan, each of them appears as a separate query.
The number of loan applications is increasing. There was also a record
BIK also shows that in February 33.11 thousand applied for a mortgage people. This, according to Bankier.pl, an increase of 26.64 thousand Compared to 2024, IO 17 percent compared to the applications from January 2025. The average value of the requested loan is also growing and in February 2025 was the highest in history. It is not surprising, because although prices fall on both the secondary and primary market, they are still high.
According to Business Insider, in February 2025 average prices per square meter on the primary market ranged from PLN 8,487 in Bydgoszcz and PLN 8625 in Łódź to PLN 14,222 in Gdańsk and PLN 15,913 in Krakow. The most expensive is in Warsaw – PLN 17,340 per meter. Prices that can reach up to 600-700 thousand at an apartment with an area of 45 meters. PLN, they are the biggest obstacle for many people, but not the only one. In addition, there is also own contribution and creditworthiness.
How much you need to earn to get 700 thousand loan? Singles have a problem
Determining creditworthiness is the first step on the way to buying your dream. Thanks to this, you can determine the price range in which we will look for real estate. Its amount is affected by income, the number of people in the household, total income and liabilities, including loans and leasings. The type of contract may also affect the ability, although it depends on the bank. It is best to go to a credit advisor who will not only help you determine your ability individually, but also choose the right loan. Many banks also offer credit calculators, so you can try to estimate your ability to estimate yourself.
Examples of calculations for March 2025 were recently presented by Honorata Skrzypek-Komorowicz, a credit expert. According to her estimates A childless single earning PLN 4,500 can count on approx. PLN 284,861 of a loan. In the amount of PLN 9,500 net is already an ability estimated at PLN 631,607. What does it look like in other cases?
- A single with one child and PLN 4,500 earnings net: ability PLN 154,731.
- Single with one child and earnings of 14,000 net: ability 870 552.
- A single with two children and PLN 4,500 earnings: lack of creditworthiness.
- A single with two children and PLN 14,000 earnings: ability PLN 838 119.
- Couple with earnings PLN 7,500 net: ability PLN 470 063.
- Couple with earnings PLN 9,500 net: ability PLN 631,607.
- A couple with one child and earnings PLN 9,500 net: ability PLN 493 352.
- A couple with two children and earnings PLN 14,000 net: ability PLN 789,411.
What earnings do you need to have a mortgage? The salary is not the only problem
Prices growing or standing in place even in smaller towns, the creditworthiness of people who are far from the mythical “10,000 on hand”, as well as securing funds for their own contribution are not the only trouble that young Poles must face. We asked our readers about this and in response to seek optimism.
Given what real estate prices in the Tri -City look like now, someone probably fell on the head very much. View of a studio apartment from the secondary market 35 meters at a price of 700 thousand. zlotys does not even surprise me anymore. If I think I would take 600,000 loan, and pay off 1.5 million, somehow a desire for my own four angles is going through me
– notes Zuza.
We tried to search and buy several times, even at the adviser we have already been to the adviser, but now prices in Krakow are a real madness
– says Karolina and gives an example of a three -room apartment to the general, which was issued for 980 thousand. “Ruders for renovation” in advertisements on portals with real estate sales offers are seen without interruption not only in cities such as Krakow, Gdańsk and Warsaw. A certain way out is looking for a flat on the outskirts, but here the prices are soaring. In addition, buying a flat from the secondary market is often associated with costly renovation. Not to mention your own contribution, which you need to save without the help of the family for years, especially if someone is “S”.
Not only the loan amount is terrifying me, but also my own contribution. Now I spend almost half a payment for renting an apartment. How do you save larger amounts? I prefer to spend the money I put on for traveling
– says Katarzyna. The lucky people who have already bought a flat have no reason to be happy. According to the accounts of our readers, from the moment the loan application is submitted to 2025, the installments have increased even twice.
Maybe we’ve come to the right thing, because now the apartments are more expensive, but on the other hand, the installment itself can finish off this loan. At the very thought of the commitment I undertook, I get stress and depression, but well … either one or the other
– says Joanna.
If you don’t have aunt from America, a military grandfather with whom you live well or did not rob the bank, with my hand I admire the courage to take a loan nowadays. I feel like it
– Monika sums up bitterly.
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Source: Gazeta
Bruce is a talented author and journalist with a passion for entertainment . He currently works as a writer at the 247 News Agency, where he has established himself as a respected voice in the industry.
