The value of mortgage applications in Poland rose 14.9% year on year in October 2026, adjusted for the number of working days. The average amount requested reached PLN 524,500, while the number of applicants fell from September.
By Sławomir Nosal, head of the BI Analysis Team at BIK. Polish original published on 9 November 2026.
Banks and cooperative savings and credit unions, known in Poland as SKOKs, submitted mortgage credit enquiries to the Credit Information Bureau (BIK) for a total amount per working day 14.9% higher than a year earlier. The number of people applying for a mortgage increased 2.5% year on year but declined 3.2% from September.
Average requested mortgage reaches PLN 524,500
The average mortgage amount requested was PLN 524,500, up 7.2% from October 2025 and 0.4% from September 2026. According to Sławomir Nosal, head of analysis at BIK, the average loan amount grew faster than the number of applicants. The demand index maintained double-digit growth despite an increasingly high comparison base from late 2025.
Refinancing adds to mortgage demand
Demand is also being supported by borrowers seeking to move an existing mortgage to another bank. Nosal said lower interest rates and stronger competition among banks were encouraging some customers to seek cheaper financing. Wage growth outpacing inflation is also supporting households’ borrowing capacity.
Source: Polish original on CEO.com.pl.
