PLN 25 billion in debt. Foreigners are increasingly indebted in Poland
Ukrainians, Belarusians and Hindus are more and more willing to take out mortgage loans in Poland. Already 265 thousand foreigners have commitments to banks.
Foreigners are increasingly participating in the Polish credit market. According to data from the Credit Information Bureau, at the end of June 2025 loans and loans in Poland were already repaid 265 thousand. foreigners, and the total value of their obligations reached PLN 25.7 billion. The vast majority of this amount, i.e. PLN 21 billion, fall on mortgage loans.
Loans of foreigners
According to information provided by Sławomir Nosal from BIK, as much as 82 percent Foreigners’ debts at Polish banks are just housing loans. Additionally 14 percent These are cash loans, and the remaining 4 percent They include other financial products, such as credit cards, installment loans, account limits and non -bank loans.
Ukrainian citizens are the largest group of borrowers among foreigners. At the end of June, their obligations amounted to PLN 13.6 billion, of which 78 percent. They were mortgages. In total, 184,000 loans and loans had loans and loans. Ukrainians, inhabiting primarily the western part of Poland and large cities.
Who is the most indebted?
Citizens of Belarus came second. 24 thousand Belarusians had a debt of PLN 4.2 billion. The third place in terms of the number of active borrowers is taken by Hindus, of which there are currently about 5,000. Next, there are Russian citizens (5,000), Turkey (3,000), Georgia (3,000) and Germany (3,000).
The report published by “Puls Biznesu” shows that interest in loans from foreigners is systematically growing. A clear acceleration of this trend was recorded in 2023, when the number of loan applications and the value of funding granted noticeably increased.
It is worth adding that the participation of foreign borrowers in bank portfolios is already about 8 percent. the entire market. In the case of mortgage loans, this share is even greater. The growing presence of foreigners in the financial sector reflects their increasingly stronger root in Poland – both in terms of housing and economic.
