The benchmark interest rate in Poland was last recorded at 5 percent. This dataset provides - Poland Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Graph and download economic data for Interest Rates: Immediate Rates (< 24 Hours): Central Bank Rates: Total for Poland (IRSTCB01PLM156N) from Dec 1989 to Dec 2023 about Poland, overnight, interest rate, banks, interest, depository institutions, and rate.

It can be seen that the mortgage interest rate in Poland increased overall during the period under observation, reaching a value of *** percent as of the fourth quarter of 2024. Demand for mortgage loans in Poland      Despite the tightening of credit policy by banks, the demand for mortgage loans is not decreasing. The residential market has also seen increases both in sales and in the construction of new premises. The increase in salaries combined with the decrease in the mortgage loan cost results in Poles having no problems buying apartments despite high prices. Higher wages also affect their creditworthiness, which is essential when applying for a mortgage. The value of housing loans amounted to a record ***** billion zloty in 2019. Despite a decrease in 2017, the value of debt in 2019 increased by *** percent compared to the previous year. The increase in wealth has also been reflected in the average value of mortgages. In 2021, Bank Millennium granted the largest number of mortgages to Poles, although Bank ****** was the leader in terms of value.   Demand for housing in Poland      Despite a growing number of flats, the prices are not falling, but on the contrary, they are continually rising. An increase in prices was recorded in every major city. The annual rise in prices in many cities went up between ** and ** percent. The most significant price increase on the primary market was recorded in ******, while on the secondary market, Wroclaw prevailed. Nevertheless, Poles pay the most for a flat in the Polish capital Warsaw. In December 2024, the price per square meter of an apartment on the secondary market exceeded **** thousand zloty, while the price per square meter on the primary market was close to **** thousand zloty. However, the coronavirus (COVID-19) outbreak in Poland in March 2020 affected the investment plans in the real estate market. Both individual customers and developers recorded a significant decline in the number of construction projects commenced during this period.

Graph and download economic data for Interest Rates: Immediate Rates (< 24 Hours): Call Money/Interbank Rate: Total for Poland (IRSTCI01PLM156N) from Dec 1989 to May 2025 about Poland, interbank, overnight, interest rate, interest, and rate.

Poland Interest Rate: Lombard data was reported at 2.500 % pa in Nov 2018. This stayed constant from the previous number of 2.500 % pa for Oct 2018. Poland Interest Rate: Lombard data is updated monthly, averaging 6.750 % pa from Jan 1993 (Median) to Nov 2018, with 311 observations. The data reached an all-time high of 37.000 % pa in Jan 1993 and a record low of 2.500 % pa in Nov 2018. Poland Interest Rate: Lombard data remains active status in CEIC and is reported by National Bank of Poland. The data is categorized under Global Database’s Poland – Table PL.M001: Key Interest Rate: National Bank of Poland.

Poland Interest Rate: Refinancing: Credits data was reported at 3.500 % pa in Nov 2018. This stayed constant from the previous number of 3.500 % pa for Oct 2018. Poland Interest Rate: Refinancing: Credits data is updated monthly, averaging 7.750 % pa from Jan 1993 (Median) to Nov 2018, with 311 observations. The data reached an all-time high of 38.000 % pa in Jan 1993 and a record low of 3.500 % pa in Nov 2018. Poland Interest Rate: Refinancing: Credits data remains active status in CEIC and is reported by National Bank of Poland. The data is categorized under Global Database’s Poland – Table PL.M001: Key Interest Rate: National Bank of Poland.

Deposit Interest Rate in Poland remained unchanged at 4.75 percent in June. This dataset includes a chart with historical data for Deposit Interest Rate in Poland.

The National Bank of Poland (Narodowy Bank Polski - NBP) reference rate amounted to **** percent as of July 2025.

Key information about Poland Long Term Interest Rate

• Poland Long Term Interest Rate: Month Avg: Poland: ECB Harmonised was reported at 5.83 % pa in Feb 2025, compared with 5.94 % pa in the previous month.
• Poland Long Term Interest Rate data is updated monthly, available from Jan 2001 to Feb 2025.
• The data reached an all-time high of 11.86 % pa in Aug 2001 and a record low of 1.19 % pa in Jan 2021.
• Long Term Interest Rate is reported by reported by CEIC Data.

• In the latest reports, Poland Short Term Interest Rate: Month End: ACI Polska: WIBOR: 3 Months was reported at 5.86 % pa in Feb 2025.
• The cash rate (Policy Rate: Month End: Reference Rate: Open Market Operations: 7 Days) was set at 5.75 % pa in Feb 2025.
• Poland Exchange Rate against USD averaged 4.12 (USD/PLN) in Jun 2023.

Poland - 3 Month Interest Rate was 5.22% in June of 2025, according to the EUROSTAT. Trading Economics provides the current actual value, an historical data chart and related indicators for Poland - 3 Month Interest Rate - last updated from the EUROSTAT on July of 2025. Historically, Poland - 3 Month Interest Rate reached a record high of 7.43% in November of 2022 and a record low of 0.21% in August of 2021.

The reference rate is one of the basic rates that form the basis for calculating, among other things, the interest rate on a loan. The National Bank of Poland decreased reference rates in May 2025 to 5.25 percentage points.

Key information about Poland Policy Rate

• Poland cash rate (Policy Rate: Month End: Reference Rate: Open Market Operations: 7 Days) was set at 5.75 % pa in Feb 2025, compared with 5.75 % pa in the previous Jan 2025.
• Poland Policy Rate averaged 3.50 % pa and is updated monthly, available from Jan 2005 to Feb 2025.
• The data reached an all-time high of 6.75 % pa in Aug 2023 and a record low of 0.10 % pa in Sep 2021.

• In the latest reports, Poland Short Term Interest Rate: Month End: ACI Polska: WIBOR: 3 Months was reported at 5.86 % pa in Jan 2025.
• Its Long Term Interest Rate (Long Term Interest Rate: Month Avg: Poland: ECB Harmonised) was reported at 5.94 % pa in Jan 2025.
• Poland Exchange Rate against USD averaged 4.12 (USD/PLN) in Jun 2023.
• Its Real Effective Exchange Rate was 117.62 in Jan 2025.

Mortgage credit interest rate, percent in Poland, March, 2025 The most recent value is 7.55 percent as of March 2025, a decline compared to the previous value of 7.71 percent. Historically, the average for Poland from January 2004 to March 2025 is 5.35 percent. The minimum of 2.27 percent was recorded in December 2020, while the maximum of 8.14 percent was reached in November 2004. | TheGlobalEconomy.com

Since 2008, the annual average interest rate of new residential loans has decreased overall from a height of over eight percent to 4.1 percent in 2014. Between 2015 and 2018, the annual average interest rate on new residential loans in Poland stayed constant at 4.4 percent. In 2023, the interest rate grew to 8.32 percent.

Bank deposit interest rate, percent in Poland, March, 2025 The most recent value is 3.86 percent as of March 2025, a decline compared to the previous value of 4.03 percent. Historically, the average for Poland from January 2005 to March 2025 is 3.13 percent. The minimum of 0.19 percent was recorded in April 2021, while the maximum of 6.78 percent was reached in November 2022. | TheGlobalEconomy.com

The average level of interest rates on deposits and loans in 2024 shows the natural effects of an increase in official interest rates in an environment in which banks use mostly fixed deposit rates and variable lending rates in Poland.

Poland: Interest rates on bank credit to the private sector: The latest value from is percent, unavailable from percent in . In comparison, the world average is 0.00 percent, based on data from countries. Historically, the average for Poland from to is percent. The minimum value, percent, was reached in while the maximum of percent was recorded in .

Poland: Real interest rate: Bank lending rate minus inflation: The latest value from is percent, unavailable from percent in . In comparison, the world average is 0.00 percent, based on data from countries. Historically, the average for Poland from to is percent. The minimum value, percent, was reached in while the maximum of percent was recorded in .

Poland Interest Rate: Deposit data was reported at 0.500 % pa in Nov 2018. This stayed constant from the previous number of 0.500 % pa for Oct 2018. Poland Interest Rate: Deposit data is updated monthly, averaging 2.500 % pa from Dec 2001 (Median) to Nov 2018, with 204 observations. The data reached an all-time high of 7.500 % pa in Dec 2001 and a record low of 0.500 % pa in Nov 2018. Poland Interest Rate: Deposit data remains active status in CEIC and is reported by National Bank of Poland. The data is categorized under Global Database’s Poland – Table PL.M001: Key Interest Rate: National Bank of Poland.

Graph and download economic data for Interest Rates: 3-Month or 90-Day Rates and Yields: Interbank Rates: Total for Poland (IR3TIB01PLQ156N) from Q3 1991 to Q1 2025 about Poland, interbank, 3-month, yield, interest rate, interest, and rate.