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Poland Mortgage Lending Report 2023: New Mortgage Lending to Stagnate in 2023 and then to Accelerate Gradually in 2024 and 2025 - ResearchAndMarkets.com

DUBLIN--(BUSINESS WIRE)--The "Mortgage Lending in Poland, 2023 - 2025" report has been added to ResearchAndMarkets.com's offering.

The report builds on the success of its previous issues and provides an updated view of emerging trends in the Polish mortgage lending market.

Similarly to the previous report, our analysis covers a wide range of perspectives, including market size, competitive structure, market shares, and margins. A mid-term market forecast of mortgage outstanding value through 2025 has also been included.

Residential construction in Poland is one of the fastest indicators of the economic climate. In 2022, an abrupt decline in building starts (-28%) and new permits (-13%) was recorded. At the same time, the long-term trend of growing real estate prices slowed down visibly in the most expensive locations, such as Warsaw.

An increasing number of existing homes being put on the market and more generous discounts offered by developers indicate that 2023 might see a stabilization or a slight correction in real estate prices. In the base scenario, we expect new mortgage lending to stagnate in 2023 and then to accelerate gradually in 2024 and 2025.

Research findings have been presented in a structured and logical way in the form of a horizontal presentation on 25 slides.

Key Topics Covered:

Executive Summary

1. Residential Real Estate Stock & Prices

  • New dwellings completed, starts, permits, 2010-2022
  • New dwellings completed by regions, 2022
  • Residential real estate prices in key cities, 2014-2022
  • Value and volume of transactions involving real estate, 2017-2021

2. Mortgage Lending

  • Total outstanding lending to households by type of loan, 2018-2022
  • Mortgage loans to households outstanding, local vs. foreign currency, 2018-2022
  • Mortgage lending penetration benchmarks - International comparison, 2022 Q3
  • Mortgage lending in Poland vs. Europe- market size vs. growth, 2020-2022 Q3
  • Number of new mortgage loans, value of new loans, average new loan size, 2018-2022
  • New sales of mortgage loans to individuals monthly/annual averages: 2017- Sept.2022
  • New mortgage loans by size and LTV, 2018 - 2022 Q3
  • Top banks by outstanding mortgage loans, 2019 - 2022 Q3
  • New mortgage contracts - split by type of interest rate applied, 2021 Q4- 2022 Q3
  • Average lending margins evolution - PLN loans, 2018-2022
  • The evolution of mortgage loan NPLs, 2020-2022

3. Forecast

  • Mortgage loans - outstanding value forecast (PLN, FX loans), GDP penetration, 2023-2025

Methodological Notes

Companies Mentioned

  • Bank Pekao
  • ING Bank
  • mBank
  • Millennium
  • PKO Bank Polski
  • Santander

For more information about this report visit https://www.researchandmarkets.com/r/mtwvnd

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Contacts

ResearchAndMarkets.com
Laura Wood, Senior Press Manager
press@researchandmarkets.com
For E.S.T Office Hours Call 1-917-300-0470
For U.S./ CAN Toll Free Call 1-800-526-8630
For GMT Office Hours Call +353-1-416-8900

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