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Mortgage Lending In Poland, 2017-2019

Mortgage Lending In Poland, 2017-2019

About the report: “Mortgage lending in Poland 2017-2019” is the latest edition of the regular research paper published by Inteliace Research. Report builds on the success of the 2016 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 2019 has been also included. Research findings have been presented in a structured and logical way in a form of horizontal presentation on 29slides.

The value of outstanding mortgage lending in Poland was up 5% in 2016, reaching a total 400 billion PLN at year end. Stable economy and improving financial condition of households are likely to support a rebound in new mortgage lending in Poland during 2017 -2019.


Executive summary
1. Residential real estate stock & prices
Slide 1: New dwellings completed, starts, permits, 2011-2016
Slide 2: New dwellings completed by regions, 2016 Q1-Q3
Slide 3: Residential real estate prices in key cities, 2011-2016 Q3
2. Mortgage lending
Slide 4: Total lending to households by type of loan, 2011-2016
Slide 5: Mortgage loans to households, local vs. foreign currency, 2011-2016
Slide 6: Number of new mortgage loans, average loan size, value of new loans, 2011-2016
Slide 7: Distribution of new mortgage lending by top cities, 2016 Q3
Slide 8: Mortgage lending penetration benchmarks - International comparison, 2016 Q3
Slide 9: Mortgage lending in Poland vs. Europe- market size vs. growth, 2014 Q3-2016 Q3
Slide 10: New mortgage loans by size and LTV, 2011 Q1 - 2016 Q3
Slide 11: New mortgage loans by currency, 2011 Q1 - 2016 Q3
Slide 12: Top players (market share>5%) on the mortgage loans market, 2015 – 2016 Q3
Slide 13: The role of financial intermediaries in mortgage loans distribution, 2011-2015
Slide 14: Reference rates: WIBOR3M & LIBOR CHF 6M, 2011-2016
Slide 15: Average lending margins evolution – PLN loans, 2011-2016
3. Regulatory issues, risk
Slide 16: The evolution of mortgage loan NPLs, 2009 Q1 - 2016 Q3
Slide 17: Regulatory environment with regards to mortgage loans
Slide 18: CHF/PLN exchange rate, 2005-2016
4. Forecast
Slide 19: Mortgage loans – outstanding value forecast and GDP penetration, 2017-2019
Methodological notes

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