The housing loan market is at a slightly higher speed. BIK data on demand

In March, banks and credit unions sent inquiries to the Credit Information Bureau regarding applications submitted by 35.6 thousand people. This is 10 percent more than a year earlier, and 3.5 percent less than in March. At the beginning of April, the president of the National Bank of Poland made a breakthrough by announcing that in 2025 there was a possibility of lowering interest rates, to which they responded by lowering the WIBOR rate. In April itself, no jump in applications was visible, but since February the number of applications has remained at a higher level than before, over 30 thousand, while in 2024 it was an average of 28 thousand per month with two jumps over 30 thousand: in April and October.