March is here, and many borrowers are wondering about their financial options. But before we look ahead, let’s summarize February 2025 and analyze which banks offered the best creditworthiness conditions.

Which Banks Offered the Most? February 2025 Creditworthiness Ranking

In February 2025, VeloBank stood out among other financial institutions, offering the highest creditworthiness in every analyzed category. Following closely behind were ING and Alior Bank. Here are the details:

• For a single borrower with an income of 7,147 PLN – VeloBank offered the highest creditworthiness.
• For a married couple with an income of 10,556 PLN – VeloBank ranked first again, followed by ING and Alior.
• A family with one child and an income of 13,964 PLN – VeloBank remained on top, with ING and Alior in second and third place.
• A family with two children and an income of 13,964 PLN – once again, VeloBank, ING, and Alior took the lead.

Why Do Creditworthiness Levels Differ Between Banks?

Each bank applies its own criteria for assessing creditworthiness, but the main factors influencing it include:

1. Net income of the borrower – Higher income increases creditworthiness.
2. Fixed living costs – Banks assess monthly expenses, such as rent, utilities, and food.
3. Number of dependents – More dependents mean higher household expenses, which can lower creditworthiness.
4. Type of interest rate – Fixed-rate loans often allow for higher creditworthiness because they provide payment stability.
5. Financial obligations – Other loans, credit cards, or leasing agreements can reduce available creditworthiness.
6. Loan term length – A longer repayment period means lower monthly installments, increasing creditworthiness.

Fixed or Variable Interest Rate – Which One to Choose?

Fixed Interest Rate

✔️ Guarantees a stable installment for a set period (usually 5-10 years).
✔️ Provides financial stability.
✔️ Protects against interest rate hikes.
❌ Typically higher than variable rates at the time of signing the contract.

Variable Interest Rate

✔️ Initially lower monthly payments.
✔️ Possible decrease in loan costs if interest rates drop.
❌ Risk of increasing installments if rates go up.

Real Estate Prices and Market Trends

February 2025 showed some stabilization in housing prices, but they remain high. Here are the average prices per square meter in major cities:

• Warsaw – 15,000 PLN/m²
• Kraków – 13,500 PLN/m²
• Wrocław – 12,800 PLN/m²
• Gdańsk – 13,200 PLN/m²
• Poznań – 11,500 PLN/m²

“First Keys” Program – Support for Buyers in the Secondary Market

The government has introduced a new housing program called “First Keys”, aimed at helping first-time homebuyers or those building a house. This program replaces the previous “Housing Start” initiative and brings significant changes:

• Support limited to the secondary market, aiming to increase the availability of homes for young people.
• Price and income limits to ensure the support reaches those who need it most.

Transparency of Real Estate Prices – Upcoming Changes?

Polska 2050 has submitted a draft law requiring developers to publish the prices of their properties. Experts emphasize that:

• Making prices public ensures greater market transparency, eliminating unfair practices.
• It could speed up purchase decisions, giving clients real data for negotiations.

Future Forecasts

Based on current trends and initiatives, we can expect:

• Housing price stabilization – New government support programs and price transparency laws could help balance or even lower housing prices in some regions.
• Increased housing availability – The “First Keys” program might make housing more accessible to middle-income individuals, impacting real estate market dynamics.

📌 Disclaimer

The above data on creditworthiness and government programs come from February’s bank listings and official announcements. Final creditworthiness depends on individual financial situations and current market conditions. Banks may apply different calculation methods, so consulting a financial expert before making decisions is recommended.

Looking to check your current creditworthiness or learn more about available financial support programs? Contact our expert and find the best financing options for you!