Poland mortgage capacity slipped in September as fixed rates rose

Poland’s mortgage market is still busy, but the amount a household can borrow has started to move in the opposite direction. In Bankier.pl’s September comparison, the average maximum borrowing capacity for a model family fell to PLN 1.155 million, PLN 8,000 less than in August.

The calculation is not a national average for every borrower. It is a like-for-like bank comparison for a household with two adults and one child, PLN 15,000 monthly net income, a 25-year loan, equal instalments and 80% loan-to-value. That makes it useful as a direction-of-travel indicator rather than a promise of what any particular buyer will receive.