Introduction
The Polish real estate market is breaking records again. In July 2025, banks granted mortgage loans worth a total of 9.99 billion zł, which is an increase of 40% year-on-year (source: BIK, Rzeczpospolita). For foreign investors, people looking for apartments, and those thinking about investing in real estate in Poland, this is a clear signal — the market is back on a growth path.
Why are Poles taking out more loans?
Interest rate cuts and rising wages
The decrease in interest rates from 5.75% to 5% and the increase in real wages have improved the creditworthiness of the average client by as much as 23% year-on-year. A three-person family earning two national averages can now obtain a loan of up to 900,000 zł – the highest in history.
Stabilization of property prices
After sharp increases in 2022-2023, apartment prices have stabilized, and in some cities (e.g., Łódź, Katowice) they have even slightly decreased. For investors, this is the moment to buy an apartment with good ROI (Return on Investment) before prices rise again.
Where is the best place to buy an apartment in Poland in 2025?
1. Warsaw
- Average price: approx. 16,500 zł/m² (primary market)
- ROI for long-term rental: 4.5–5.2% per year
- Ideal for foreign investors — stable demand, expatriates, students, corporations.
2. Kraków
- Average price: 14,200 zł/m² (secondary market)
- Dynamic short-term rental market, large influx of tourists and students.
3. Wrocław
- Price: approx. 13,000 zł/m²
- City with rapid economic growth and developed office infrastructure.
4. Tri-City (Gdańsk, Sopot, Gdynia)
- High potential in the premium segment and holiday properties.
- ROI: 4–6%, especially for short-term rentals.
Why is now a good time to invest in real estate?
- Interest rates are decreasing, which increases creditworthiness.
- Demand for rentals is rising, especially in large academic cities.
- The złoty is stabilizing, making Poland attractive for foreign capital.
- Lack of subsidy programs (“Safe Credit”) has not weakened the market — on the contrary, the increase in loans is over 40% year-on-year.
Example: Investment in an apartment in Kraków
- Purchase of a 45 m² apartment on the primary market: approx. 640,000 zł
- Long-term rental: 3,800 zł/month
- Annual gross income: 45,600 zł
- Estimated ROI: 7.1% gross, after costs approx. 5.3% net
This type of investment, financed 50% by a mortgage, can generate passive income and capital growth 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 in need of renovation |
| Prices per m² | Higher by 10–20% | Lower, but with a higher risk of hidden costs |
| ROI | 4–5% | 5–7% |
Summary and recommendations from Atlant Estates
The Polish real estate market in 2025 is experiencing a renaissance. Loans at the level of 10 billion zł per month show immense trust from 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 are planning to:
- buy an apartment in Poland,
- invest in real estate with high ROI,
- or just want to know how to safely buy an apartment in Poland –
our team of experts will help you step by step.