The 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 the Chairman of the Monetary Policy Council (RPP), Adam Glapiński, Poland is experiencing a favorable economic cycle that supports low inflation and falling interest rates. As he emphasized at a press conference, interest rates have a chance to continue to decrease, unless there is a sudden rise in inflation.
“At the moment, I see no reasons for inflation to suddenly spike. Interest rates are falling and will likely continue to fall. Of course, in economics, nothing can be predicted with one hundred percent certainty,” Glapiński noted.
The latest RPP decision: a cut in interest rates by 0.25 percentage points
It is worth recalling that the Monetary Policy Council during its last meeting decided to cut interest rates by 0.25 percentage points, bringing the main reference rate down to 5%. This was somewhat surprising for the market, which anticipated no changes.
Although the NBP President noted that yesterday's decision does not mark the formal beginning of a cycle of deeper interest rate cuts, he simultaneously left the door open for further reductions in the future — provided that inflation does not accelerate.
Inflation and GDP forecasts indicate market stabilization
According to the July inflation and GDP projection prepared by the NBP (NECMOD model), inflation should gradually decline in the coming years:
- in 2025, the annual price dynamics will likely fall within the range of 3.5-4.4% with a 50% probability (for comparison, in March it was predicted to be 4.1-5.7%),
- in 2026, inflation will likely be 1.7-4.5%,
- in 2027, even lower – 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 Wrocław and Poland?
For those considering purchasing property in Poland, including Wrocław, which is one of the fastest-growing markets in the country, the ongoing trend of falling interest rates is a very positive signal.
Lower interest rates mean:
- cheaper mortgage payments, which increases creditworthiness,
- easier access to financing for people working in Poland – including migrants from Ukraine and Belarus,
- greater security in family budget planning.
Therefore, it is 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 Wrocław – Atlant Estates report.
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📈 Summary: interest rates, inflation, and mortgage loans 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 indicate a further decline in the years 2025-2027.
- This is a good time to plan a property purchase, take advantage of lower payments, and build your future in Poland.
Source: ISBnews