Poland mortgage capacity exceeds 1 million PLN for model families

In August 2026, the mortgage credit capacity for a model three-person family in Poland exceeded one million PLN for the first time in history. This milestone is attributed to rising wages, relatively stable interest rates, and increased competition among banks for customers.

The median credit capacity for a family with an income equivalent to two times the national average has risen by nearly 17,000 PLN compared to the previous month and is up more than 11 percent year-over-year. With a 20 percent down payment, this capacity allows for the purchase of an apartment in Warsaw measuring approximately 75 square meters, an increase of nearly 6 square meters compared to the previous year.

Economists from Pekao and PKO BP suggest that further interest rate cuts are possible. Currently, variable-rate loans (5.8 percent) are cheaper than periodic fixed-rate loans (6.1 percent), though market contracts reflect concerns regarding potential rate hikes.