In Poland, a record amount of early repayments and overpayments on housing loans has been observed in 2025 as citizens seek to escape high fixed interest rates amidst declining rates.
In 2025, Poland registered a historic high in the value of early repayments and overpayments on housing mortgages, amounting to 53.1 billion zÅotys. This figure marks an impressive increase of 21% compared to 2024 and 31% relative to 2023, as reported by the Credit Information Bureau. The new record surpasses the previous high from 2022 by 800 million zÅotys, indicating a significant shift in borrower behavior amid changing economic conditions.
The reasons behind this surge in early repayments are multifaceted. Typically, such trends emerge during periods of rapidly rising interest rates; however, the current context of declining rates has prompted many Poles to actively seek to refinance and settle their loans ahead of schedule. This phenomenon reflects growing consumer awareness and the desire to reduce financial burdens associated with long-term fixed-rate loans that are perceived as expensive.
In response to the increased demand for mortgage refinancing, banks are adjusting their strategies to accommodate this trend. They are witnessing a higher inclination among borrowers to convert existing loans into more favorable terms, making the lending landscape increasingly competitive. This scenario not only highlights the adaptability of financial institutions but also underscores a broader shift in consumer sentiment regarding debt management in Poland.
