July 2025 brings breakthrough changes. After years of crazy growth, the market enters a stabilization phase. Prices in Krak\u00f3w reached PLN 20,139\/m\u00b2 – 25% year-on-year growth, but new apartment sales dropped 27.78% in Q1 2025. This isn’t a crisis, it’s normalization!<\/p>\n
NBP cut rates to 5.00% (from 5.25% in May), and analysts predict another 150 basis points cut by year-end. Great news for borrowers – average mortgage rates currently at 7.57%, but expected to fall below 6% by December.<\/p>\n
“Key to the Apartment” program launches in H2 2025 with PLN 500 million budget for 50,000 people. Interest subsidies from 1.5% for singles to 0% for families of 5+. An opportunity for those waiting for better conditions.<\/p>\n
Inflation dropped to 4.1% in June (from 4.7% in December 2024). GDP to grow 3.3% in 2025 and 3.0% in 2026. Unemployment at 2.8% – lowest in Europe! Wages growing 6.2% annually. Economic fundamentals are strong.<\/p>\n
Foreign investors are back! Q1 2025 global transactions reached $185 billion (+34% YoY). Poland attracts 52% of CEE region investments. In 2024, foreigners bought over 14,300 apartments – Ukrainians lead with 380,000 m\u00b2.<\/p>\n
PropTech revolutionizes the market – $615 million invested in Q1 2025. AI in property management is now standard. 82% of tenants demand smart technology. Agencies without digital transformation will be left behind.<\/p>\n
Forecast? Price growth will slow to 3-5% annually after 2025. That’s a healthy level. Rentals will maintain 6%+ profitability. Krak\u00f3w will remain a leader thanks to tourism (9+ million visitors) and students (150,000+). Time to act strategically, not emotionally!<\/p>\n
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? Eternel \u2013 Real Estate Agency<\/p>\n
al. Jana Paw\u0142a II 58, unit 2.1, Krak\u00f3w<\/p>\n
? +48 577 707 032 (WhatsApp, Telegram)<\/p>\n