Demand for loans in Poland 2023-2025
Published by
Poland's loan market is changing significantly, with demand varying across different sectors and loan types. In the second quarter of 2025, banks are expected to ease criteria for consumer and short-term loans to small and medium-sized enterprises (SMEs), while tightening standards for short-term loans to large enterprises. This comes as the housing loan sector faces a notable decline in demand, contrasting sharply with the prominent growth seen in previous years.
Housing market dynamics
Despite the projected decrease in housing loan demand for early 2025, the sector has shown remarkable strength in the previous years. In 2024, housing loans in Poland reached over
***
billion zloty, marking the highest increase among all private loan types. This growth aligns with the total outstanding debt of Polish households under housing loans, which amounted to Log in or register to access precise data.
***
billion zloty in 2024, representing a Log in or register to access precise data.
***
percent increase from the previous year. Log in or register to access precise data.
Divergent trends in enterprise lending
Small and medium-sized enterprises are expected to see increased access to short-term financing. In 2024, SMEs received the highest number of loans in investment and operational loans, totaling
****
and Log in or register to access precise data.
****
billion zloty respectively. Meanwhile, large corporations experienced a decrease in loans compared to the previous year, with operational loans reaching approximately Log in or register to access precise data.
**
billion zloty. Log in or register to access precise data.
