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Property

Poland — Property: Mortgage Availability

ECB data show new household mortgage loans in Poland at an average APRC of 6.22% in 2026-08 (PLN loans).

VerifiedGovernment / official sourceECB – MFI interest rate statistics (MIR): cost of borrowing for house purchase, new business, PLNLast reviewed: 2026-10-26

Key facts

  • ECB bank interest rate statistics: the average cost of borrowing (APRC) on new PLN loans to households for house purchase in Poland was 6.22% in 2026-08.
  • The rate was 6.26% three months earlier (2026-05) and 7.32% in 2025-09.
  • Data cover new business loans from monetary financial institutions to households, showing that domestic banks lend for house purchase in PLN at these average rates.
  • Individual offers vary with borrower profile, loan-to-value and fixed or floating terms.

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