Experts from the housing market service RynekPierwotny.pl are advising prospective home buyers to temper their enthusiasm regarding purchasing properties. They highlight that in the upcoming months, the true challenge may not stem from the prices of homes, but rather from the cost of financing. Although the creditworthiness of some households has improved, there are signals indicating that the availability of homes may soon begin to diminish, potentially impacting the market dynamics.

Additionally, a growing number of developers now anticipate a drop in housing prices, which reflects a change in sentiment within the market compared to previous months. Factors influencing this pessimism among developers include various events in the broader economic landscape, which may be causing them to reassess their strategies. Furthermore, the competition among banks for mortgage clients is intensifying, which could play a role in shaping future market conditions.

According to data from the Credit Information Bureau (BIK), there has been a significant uptick in mortgage applications, with approximately 44,500 filed in February, marking a 23% increase from the previous month, and matching the average monthly figure from 2025. This renewed activity in the mortgage market suggests a recovery phase, although the long-term impact of financial costs on housing availability remains to be fully understood, suggesting a complex interplay between pricing, financing, and availability in the housing market.