We are already borrowing almost PLN 10 billion a month to buy a home – what does this mean for investors and buyers?
Introduction
The Polish real estate market is once again breaking records. In July 2025, banks granted mortgages worth a total of PLN 9.99 billion, up 40% year-on-year (source: BIK, Rzeczpospolita). For foreign investors, those looking for apartments and those thinking of investing in real estate in Poland, this is a clear signal – the market is back on the growth path.
Why are Poles taking out more and more loans?
Interest rate cuts and rising wages
The drop in interest rates from 5.75% to 5% and the rise in real wages have improved the creditworthiness of the average customer by up to 23% per year. A family of three with two national averages can today get a loan of as much as PLN 900,000 – the highest ever.
Stabilization of real estate prices
After the sharp increases of 2022-2023, housing prices have stabilized, and in some cities (e.g., Lodz, Katowice) even gently declined. For investors, this is the moment to buy an apartment with a good ROI (Return on Investment) before prices go up again.
Where is the best place to buy an apartment in Poland in 2025?
1 Warsaw
- Average price: about PLN 16,500/m² (primary market).
- ROI on long-term lease: 4.5-5.2% per year
- Ideal for foreign investors – stable demand, expats, students, corporations.
2 Kraków
- Average price: PLN 14,200/m² (secondary market)
- Dynamic short-term rental market, large influx of tourists and students.
3 Wrocław
- Price: approx. PLN 13,000/m²
- A city with rapid economic growth and extensive office infrastructure.
4. the Tricity (Gdansk, Sopot, Gdynia)
- High potential in the premium segment and vacation properties.
- ROI: 4-6%, especially for short-term rentals.
The procedure for buying an apartment in Poland step by step
Step 1: Select a property
Contact an Atlant Estates agent who will help select an apartment according to your investment goal – primary or secondary market, ROI, location, legal status.
Step 2: Verification of documents
Checking the land register, ownership status, possible mortgages.
Step 3: Financing the purchase
For foreigners, the purchase is possible either with cash or through a mortgage in Poland (credit history or a minimum 20% equity contribution required).
Step 4: Preliminary and notarial agreement
Once the price and terms are agreed upon, a preliminary agreement is signed, followed by a notarial deed. Atlant Estates agency coordinates the entire process in Polish and English.
Typical questions from foreign investors
Can I buy an apartment in Poland without being registered?
Yes. EU citizens do not need any special permission. Investors from outside the EU (e.g., UK, USA) can buy apartments in cities without additional paperwork, except for agricultural land.
Can I rent a property after purchase?
Of course. Poland has stable regulations allowing both long-term and short-term rentals(Airbnb, Booking).
What are the taxes when buying an apartment?
- PCC tax (secondary market) – 2% of the transaction value.
- No PCC on the primary (development)market.
- Property tax – depending on the square meterage (usually PLN 100-300 per year).
The most common mistakes of buyers
- Lack of analysis of ROI and maintenance costs – many people buy emotionally instead of investing.
- Omitting notary costs and taxes.
- Buying without verifying legal status – especially in the secondary market.
- Not comparing credit offers – the differences in the APR can be as high as a few percent.
Why is now a good time to invest in real estate?
- Interest rates are decreasing, which increases creditworthiness.
- Rental demand is growing, especially in large academic cities.
- The zloty is stabilizing, making Poland attractive to foreign capital.
- The lack of a subsidy program (“Safe Credit”) has not weakened the market – on the contrary, loan growth is more than 40% year-on-year.
Example: investment in an apartment in Krakow
- Purchase of a 45 m² apartment on the primary market: approximately PLN 640,000.
- Long-term rental: PLN 3,800/month.
- Annual gross revenue: PLN 45,600
- Estimated ROI: 7.1% gross, after costs about 5.3% net
Such an investment, financed by a 50% mortgage, can generate passive income and capital appreciation of 3-5% per year.
Primary market vs secondary market
| Features | Primary market | Secondary market |
|---|---|---|
| Taxes | No PCC | PCC 2% |
| Condition of the property | New, with warranty | Used, often to be renovated |
| Prices per m² | Higher by 10-20% | Lower, but greater risk of hidden costs |
| ROI | 4-5% | 5-7% |
Summary and recommendations of Atlant Estates
The Polish real estate market in 2025 is experiencing a renaissance. Loans at 10 billion zlotys a month show great confidence among buyers and investors. For those considering buying an apartment in Poland, this is the perfect time to enter the market before the next wave of price increases.
🏡 Contact Atlant Estates
If you plan to:
- buy an apartment in Poland,
- Invest in real estate with a high ROI,
- or simply want to know how to safely buy an apartment in Poland -.
our team of experts will help you step by step.
