fbpx
+48459569303
  1. Home
  2. Case Study, Districts of Wroclaw, Kredyt
  3. Interest rates in Poland may fall further – what does this mean for mortgages and buying property?
Your search results

Interest rates in Poland may fall further – what does this mean for mortgages and buying property?

Posted by atlant.estate on 12.07.25
Case Study, Districts of Wroclaw, Kredyt
0

NBP signals stabilization of inflation and possible further interest rate cuts

According to the latest statements by the President of the National Bank of Poland (NBP) and Chairman of the Monetary Policy Council (MPC), Adam Glapinski, a favorable economic cycle persists in Poland, which is conducive to keeping inflation low and interest rates falling. As he stressed at the press conference, interest rates are likely to continue declining unless there is a sudden rise in inflation.

“At the moment, I see no reason why inflation should suddenly shoot up. Interest rates are falling and are likely to fall further. Of course, in economics nothing can be predicted one hundred percent,” Glapinski noted.

Latest MPC decision: cut interest rates by 0.25 bps.

It is worth recalling that the Monetary Policy Council at its last meeting decided to cut interest rates by 0.25 percentage points, bringing the main reference rate to 5%. This came as somewhat of a surprise to the market, which had assumed no change.

While the NBP governor indicated that yesterday’s decision does not mark the formal beginning of a cycle of deeper interest rate cuts, he also left the door open for further cuts in the future – provided inflation does not accelerate.

Inflation and GDP forecasts point to market stabilization

According to the July inflation and GDP projection prepared by the National Bank of Poland (NECMOD model), inflation should gradually decline in the coming years:

  • in 2025, annual price dynamics will be in the range of 3.5-4.4% with a 50% probability(compared to the 4.1-5.7% predicted in March),
  • In 2026, inflation is likely to be 1.7-4.5%,
  • In 2027, even less – 0.9-3.8%.

This means that Poland is entering a period of greater price predictability and economic stability, which is great news for anyone planning to buy an apartment on credit.

What does this mean for apartment buyers in Wroclaw and Poland?

For those thinking of buying property in Poland, including Wrocław, which is one of the fastest growing markets in the country, the continuing trend of falling interest rates is a very positive sign.

Lower interest rates mean:

  • cheaper mortgage payments, which increases creditworthiness,
  • easier access to financing for those working in Poland – including migrants from Ukraine and Belarus,
  • Greater security in family budget planning.

That’s why it’s worth considering buying an apartment now – before the market situation changes. You can read more about apartment prices in our article Current apartment prices in Wroclaw – Atlant Estates report.

Looking for an apartment or need help getting a loan in Poland?

Whether you are a citizen of Poland, Ukraine or Belarus, Atlant Estates will be happy to help you find the perfect apartment and guide you through the entire loan process – from analyzing your creditworthiness, to choosing a bank, to signing a loan agreement.

✅ Contact us today – in Polish, Ukrainian or Russian.

📈 Summary: Interest rates, inflation and mortgages in Poland

  • The NBP does not rule out further interest rate cuts in the coming months, which could further reduce mortgage costs.
  • Inflation in Poland is stabilizing, and forecasts point to a further decline between 2025 and 2027.
  • This is a good time to plan a property purchase, take advantage of lower installments and build your future in Poland.

Source: ISBnews

Compare Listings