Credit capacity in 2025. Experts checked what Poles can buy

What a large housing loan can count on average earning singles, couples without children and family with one child today? How did their creditworthiness change in the first quarter of 2025? Experts of the Rankomat.pl and RynekPierwotny.pl portals took a closer look at the banks’ offers and available apartments in the seven largest cities in Poland. They checked what property you can buy on a loan at various household structures and how much you need to earn really to afford your own M.

Housing loans

Data on the Credit Information Bureau (BIK) show that in the first quarter of 2025, interest in housing loans was steadily growing. In March, banks received 36.9 thousand applications – by 11 percent more than in February. In turn, February was better by 17 % than January, and January brought a 9 % increase compared to December 2024. Although the February increase in the number of applications has not yet affected the number of positive credit decisions, the situation has improved in March.

– In March, creditworthiness increased in almost all banks and for all customer groups. This is primarily the result of a fixed interest rate. Banks began to offer better conditions because the forecasts regarding the level of interest rates have changed. Currently, the view is dominating that the reductions will be introduced faster than previously assumed. Perhaps already in the second quarter – emphasizes Jarosław Sadowski, director of the Analysis Department at Rankomat.

What amount per flat?

According to the rankomat.pl analysis, in March the average earning single or single could count on about 385.5 thousand. PLN loan – by 8.6 thousand PLN more than a month earlier. A childless couple could borrow an average of 499.7 thousand. PLN, and a couple with a child – 588.3 thousand zloty.

However, there are big differences between banks. For example, for a single with an income of 6,000 PLN “on hand” the difference in the amount offered between the most generous and the most restrictive bank was as much as 125.5 thousand. PLN – and in the case of a family with a child up to 180.6 thousand. zloty. It should also be remembered that the highest loan does not always mean the best conditions.

They grow with their own contribution. In March, the single could spend a total of about 481.9 thous. PLN, a couple without children – 624.6 thous. PLN, and the family 2+1 – 735.4 thous. zloty.

What selection of apartments?

The data prepared by BIG DATA shows that the offer of development apartments has grown in the largest cities to record sizes. The average price of a square meter has also ceased to rise.

– And more importantly, he played in favor of average borrowers. In March, there were many more apartments within their reach than at the end of last year – says Marek Wielgo, an expert of the RynekPierwotny.pl portal.

Apartments – Łódź and GZM for singles

In the Upper Silesian-Zagłębie Metropolis and Łódź single and singles they had the most apartments to choose from at a price of up to 481.9 thousand. PLN – 3,300 respectively and 3 thousand premises. In both metropolises, the number of apartments increased significantly in the first quarter, by 655 (+25%) respectively in the Upper Silesian-Zagłębie metropolis and 486 (+19%) in Łódź. Only about 400 apartments were available in Krakow, but compared to previous months, the offer increased by 91 premises. In turn, Warsaw and Wrocław recorded a smaller but also a positive increase in the number of available apartments.

Flats – Poznań, Wrocław and Tri -City for childless couples

In most metropolises, people looking for an apartment for 481.9 thousand. PLN could mainly count on two -room premises. However, three-room apartments were also available in Łódź and Upper Silesian-Zagłębie metropolis, and four-room premises could also be found in these areas. Childless couples in Poznań, the Tri -City and Wrocław had a choice from among numerous three -room apartments. In Krakow and Warsaw, studio apartments and two -room apartments dominated at this price.

Flats – best offers for families with children

Families with children could count on a much wider selection of apartments. About 7.7 thousand were available in the Upper Silesian-Zagłębie metropolis and Łódź. apartments, and in Krakow only 3.6 thousand Despite this, average earning families had four-room or larger apartments, especially in the Upper Silesian-Zagłębie metropolis and Łódź. There were much fewer such premises in Krakow, Warsaw and Wrocław. In regions with more investments, developers offered promotions and new apartments at more affordable prices, which could help in choosing the right offer.