Foreigners are buying more and more apartments in Poland. They take out loans

Foreigners are indebted to Polish banks for a total amount of PLN 25.7 billion, with up to PLN 21 billion for mortgage loans – the Credit Information Bureau (BIK) said. This is data at the end of June 2025.

The participation of borrowers from abroad in the banks’ credit portfolio reaches 8 percent in Poland.

Ukrainians are leading among foreigners in taking mortgage loans at Polish banks

The situation was commented on in the Puls Biznesu daily Sławomir Nosal, leader of the Business Intelligent Analysis Team in BIK: – as much as 82 percent. foreigners’ debt are mortgage loans, 14 percent These are cash loans, and 4 percent Other – credit cards, installment loans, credit limits and non -bank loans. The value of the portfolio of foreigners in recent years has increased gradually, and the acceleration occurred in 2023.

184 thousand At the end of June, Ukrainians had credit liabilities worth PLN 13.6 billion – the mortgages accounted for 78 percent. this value. 24 thousand Belarusians took loans for a total of PLN 4.2 billion.

Among the other nations with loans and loans at Polish banks are also Indian citizens (5,000), Russia (5,000), Turkey (3,000), Georgia (3,000), Germany (3,000), Great Britain (2,000), Italy (2,000), France (1,000). The debt of 32,000 representatives of these countries is PLN 4.4 billion.

Fewer and fewer Ukrainians want to go back to their homeland

The credit situation very well reflects the plans of Ukrainians for further life. The study “Plans of Ukrainian citizens in the event of the end of the war” conducted by Otto Work Force Central Europe in 2025 shows that only every sixth Ukrainian will return to the country after the war. For comparison – in 2022 every second Ukrainian citizen declared his return.

Only 16 percent Temporary workers from Ukraine declares their willingness to return to their homeland after the war. It’s 26 percent less than at the end of 2023 and by 33 percent less than at the end of 2022. At the same time as much as 62 percent respondents do not plan to return to Ukraine. This is a significant increase compared to 2022 and 2023, when 25 percent gave such an answer, respectively. and 23 percent respondents.