Polish consumer trends show rising mortgage optimism and second-hand popularity

Recent studies in Poland reveal shifting consumer behaviors regarding housing finance and fashion. Following interest rate cuts, a survey commissioned by Nieruchomosci-online.pl indicates that fewer Poles feel unable to afford mortgage loans. The percentage of respondents who found obtaining a mortgage very difficult dropped from 52% in the third quarter of 2025 to 41% in the same period in 2026. Despite this increased accessibility, high property prices remain a significant barrier, with 62% of respondents stating that few people in their environment can afford real estate.

In the retail sector, a report by K+ Research for VIVE Group shows a growing preference for second-hand clothing. Approximately 42% of respondents view second-hand shoppers as creative and conscious, while 39% see the practice as a symbol of resourcefulness. Consumers are drawn to the second-hand market by lower prices, the ability to find high-quality brands, and eco-friendly motivations. Additionally, there is a resurgence in garment repair and upcycling, with many consumers choosing to mend clothing or use professional tailoring services rather than discarding items.