Sixth interest rate cut – a clear signal for buyers
The Monetary Policy Council has lowered the main interest rate to 4 percentage points, which means cheaper loans and a real opportunity for many Poles to buy their own home. Lower instalments and improved creditworthiness may accelerate purchasing decisions, and the property market has just gained new momentum.
The Monetary Policy Council lowered interest rates for the sixth time this year.
The decision to further reduce interest rates by 0.25 percentage points, including the main reference rate to 4 per cent per annum, was made on Wednesday, 3 December. Since the beginning of 2025, central bank rates have fallen by a total of 1.75 percentage points, while the main NBP interest rate has been lowered from 5.75% to 4%.
According to a statement by the National Bank of Poland, the adjustment of interest rates to inflation was clearly justified. According to data from the Central Statistical Office, the statistical annual CPI inflation rate was 2.8% in October. In November, it fell to 2.4%.
Lower interest rates mean cheaper loans, smaller instalments and increased creditworthiness, which translates into greater availability of housing. As a result, this may mean an acceleration in purchases, greater activity on the property market and real support for those who have been planning to buy property for a long time.
The interest rate cut came into effect on 4 December.
We would like to remind you that the 16th edition of the Real Estate Market Forum will take place on 11-12 June 2026. Once again in Sopot, once again next to the longest wooden pier in Sopot.
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