Tag: BIK

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Poland’s Secondary Housing Market Rebounds as Buyer Demand Rises 9% Year on Year

Demand for second-hand homes in Poland rose 9% year on year in August, reaching 118,000 enquiries. Lublin posted the strongest growth, while Kraków was the only major market to record a decline.

Poland’s Mortgage Demand Still Up Year on Year, but August Brings Sharp Monthly Drop

The value of mortgage enquiries in Poland was 9.3% higher in August 2026 than a year earlier, according to the BIK Mortgage Demand Index....

Poland Records a Surge in Consumer Bankruptcies, but No Mass Sell-Off of Homes

More than 12,000 consumer bankruptcies were declared in Poland in the first half of 2026, raising questions about household financial resilience. The number was...

HoReCa Debt Falls to PLN 1.88 Billion, but Restaurants Remain Under Pressure

Poland’s hotel and restaurant industry entered the summer season with significantly lower debt than a year earlier. At the end of May 2026, the...

Polish Banks Stop a Loan Fraud Attempt Every 14 Minutes

An increasing number of lost and stolen identity documents are being reported to Poland’s Restricted Documents System, while banks continue to prevent dozens of...

Falling Interest Rates Trigger Poland’s Biggest Mortgage Refinancing Wave in Years

Falling interest rates have triggered the largest wave of mortgage refinancing seen in Poland for years. A growing number of borrowers are switching banks...

BIK and Banks Under Scrutiny Over the Role of Credit Inquiries in Loan Assessments

The President of the Office of Competition and Consumer Protection is conducting an explanatory investigation into the rules for assessing creditworthiness in the banking...

Poland’s Mortgage Lending Surges as Average Loan Reaches Record High

Banks and credit unions in Poland significantly increased their sales of mortgage, instalment and cash loans in May 2026. The strongest growth was recorded...

Poles Are Borrowing More Again: Strong Growth in Mortgage, Instalment and Cash Loans

In April 2026, banks and credit unions in Poland granted significantly more mortgage, instalment and cash loans than a year earlier. A decline was...

Mortgage Loan Demand in Poland Remains High, but the March Surge Has Clearly Faded

In April 2026, Poland’s mortgage market remained active, although data from the Credit Information Bureau (BIK) also point to a clear cooling after an...

Bartosz Grześkowiak Appointed CEO of ISON Group to Drive International Expansion

Bartosz Grześkowiak will assume the position of Chief Executive Officer of ISON Group. The appointment marks another step in the organization’s development and is...

Polish Housing Market in Q1 2026: Large Apartments Rise Fastest as Lower Mortgage Rates Improve Affordability

Despite the very high number of mortgage applications submitted in March, apartment prices remained stable. There are several indications that the March mortgage boom...

Cash Buyers and Mortgage Borrowers Are Playing in Different Housing Markets

The housing market is not divided only into cheap and expensive properties. Between these two extremes, there is a clearly defined segment of moderately...

Poland’s Non-Bank Lending Market Maintains Strong Growth Momentum in March

March data from the Credit Information Bureau (BIK) confirm that Poland’s non-bank lending market remains in a phase of clear expansion. In the first...
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