67% of young buyers choose new apartments. This generation is changing the real estate market

Young Poles are increasingly taking control of the housing market. Their purchasing decisions not only drive demand, but also redefine developers’ offers, financing methods and customer service standards. Data from the Lendi survey show a clear trend: the primary market is becoming their first choice.

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Young buyers are driving the real estate market

People up to 35 years of age have become one of the key customer groups on the housing market in Poland. They are largely responsible for the demand today – especially in the segment of new apartments.

Two segments are clearly visible in this group:

• under 25 years old – they most often buy their first, small apartments,
• 25–34 years old – more stable professionally, they are more likely to look for larger premises, often with family in mind.

Buying an apartment for young people is not only an investment, but one of the most important life decisions. It is accompanied by emotions, pressure and awareness of long-term financial obligations.

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The primary market wins over the secondary market

The data leave no doubt:

• 75% of people under 25 choose new apartments
• 67% of buyers aged 25-34 choose the primary market

The secondary market loses primarily due to arrangement limitations and the risk of additional costs.

New apartments offer:

• possibility of arranging the space from scratch,

• higher technical standard,

• greater sense of security,

• cost predictability.

“Young buyers increasingly treat a new apartment as an opportunity to create a space precisely tailored to their lifestyle. The primary market gives them a sense of greater control over the entire process and greater predictability of costs. This is one of the reasons why it clearly outperforms the secondary market in this age group,” explains Tomasz Pilecki, advisor to the Lendi management board and an expert in the financial and real estate markets.

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Price and credit more important than location

Although it might seem that young people are guided by lifestyle or location, the reality is much more pragmatic.

The most important criteria are:

Under 25 years old:

• 42.9% – total price

• 28.6% – installment amount

Ages 25–34:

• 33.3% – total price

• 25% – installment amount

Only later do factors such as location or finishing standard appear.

The conclusion is clear: young people first check whether they can afford the purchase. Only then do they analyze the details of the offer.

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Mortgage loan is the biggest source of stress

Purchasing a flat in most cases means taking out a mortgage – and this is the biggest challenge for young people.

• 71.4% of people under 25 experience credit-related stress

• 75% of people aged 25-34 declare the same

The greatest concerns concern:

• creditworthiness,

• complicated procedures,

• long-term commitment,

• the risk of choosing an unfavorable offer.

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The Internet is the first step, but it is not enough

Young buyers start with online tools:

• 64.3% (under 25 years old) use loan calculators,

• 70.8% (25-34 years) do the same.

However, digital tools have their limitations.

• 71.4% of the youngest

• 66.7% of people 25–34

admits that he cannot independently assess his creditworthiness.

This shows clearly: technology does not replace expert knowledge.

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Financial experts are gaining importance

As uncertainty increases, the role of financial advisors increases.

• 71.4% of the youngest want quick contact with an expert,

• 75% of people aged 25-34 declare the same need.

Preferably – directly from the announcement or investment website.

“Purchasing an apartment is often the first big financial decision in their lives for young people and an obligation that will accompany them for the next several dozen years. It is no wonder that there is stress and fear of making a mistake, especially when the loan process is complex and the financing conditions depend on many factors such as creditworthiness, level of interest rates or bank policy. That is why the importance of financial experts who help choose the right loan offer, organize the entire process and explain it in an understandable way is growing. For many young buyers, it is the support of an expert that gives a sense of security and allows make decisions based on real financial possibilities, not just emotions or market pressure,” sums up Tomasz Pilecki.

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Young people want to buy, but they often postpone the decision

Despite the strong need to have their own apartment, many young people postpone the purchase decision.

Most common reasons:

• high real estate prices,

• lack of creditworthiness,

• the need to collect own contribution.

The first years of adulthood are a time of preparation for them:

• building professional stability,

• improving the financial situation,

• increasing creditworthiness.

It’s not a lack of interest in the market – this a strategic approach to one of the most important decisions in life.

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The new generation is changing the rules of the game

Today, young buyers are aware and demanding customers. They combine dreams of their own apartment with cool financial analysis.

For the market, this means one thing: the need to adapt.

The most important directions of changes:

• greater transparency of the purchasing process,

• development of digital tools,

• easy and quick access to financial experts,

• simplification of credit procedures.

It is the needs of young people that will shape the real estate market in Poland in the coming years – both on the side of developers and financial institutions.