Mortgage lending in Poland 2019-2021” is the latest edition of the regular research paper published by Inteliace Research. Report builds on the success of the 2018 issue and provides an updated view of emerging trends on the Polish mortgage lending market. Similarly to the previous version 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 2021 has been also included.

Research findings have been presented in a structured and logical way in a form of horizontal presentation on 29 slides.

Executive summary
1. Residential real estate stock & prices
Slide 1: New dwellings completed, starts, permits, 2013-2018
Slide 2: New dwellings completed by regions, 2018 Q1-Q3
Slide 3: Residential real estate prices in key cities, 2012-2018 Q3
2. Mortgage lending
Slide 4: Total outstanding lending to households by type of loan, 2013-2018
Slide 5: Mortgage loans to households outstanding, local vs. foreign currency, 2013-2018
Slide 6: Number of new mortgage loans, value of new loans, average new loan size, 2013-2018F
Slide 7: Distribution of new mortgage lending by top cities, 2018 Q3
Slide 8: Mortgage lending penetration benchmarks - International comparison, 2018 Q3
Slide 9: Mortgage lending in Poland vs. Europe- market size vs. growth, 2016 Q3-2018 Q3
Slide 10: New mortgage loans by size and LTV, 2014 Q4 - 2018 Q3
Slide 11: New mortgage loans by currency, 2012 Q4 - 2018 Q3
Slide 12: Top banks by outstanding mortgage loans (market share>5%) , 2016Q3, 2017 Q3, 2018 Q3
Slide 13: The role of financial intermediaries in mortgage loans distribution, 2013-2017
Slide 14: Reference rates: WIBOR3M & LIBOR CHF 6M, 2012-2018
Slide 15: Average lending margins evolution – PLN loans, 2012-2018
3. Regulatory issues, risk
Slide 16: The evolution of mortgage loan NPLs, 2009 Q1 - 2018 Q3
Slide 17: Regulatory environment with regards to mortgage loans
Slide 18: CHF/PLN exchange rate, 2005-2018, CHF-denominated loans outstanding.
4. Forecast
Slide 19: Mortgage loans – outstanding value forecast (PLN, FX loans), GDP penetration, 2019-2021
Methodological notes

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