News

For the first time in nearly a century, individual investors can purchase mortgage bonds on the Warsaw Stock Exchange. On 29 October, PKO Bank Hipoteczny's retail mortgage bonds with a total value of PLN 1.155 billion made their debut on the Catalyst market. This historic debut marks a new stage in the development of the debt securities market in Poland.

The Polish Financial Supervision Authority has approved PKO Bank Hipoteczny S.A.'s prospectus concerning the Mortgage Covered Bond Issue Programme. On this basis, the bank may issue covered bonds with a total nominal value of up to PLN 10 billion, as part of offers addressed to both institutional and retail investors.

On June 25, 2025, PKO Bank Hipoteczny issued four-year mortgage bonds with a total face value of €500 million. The mortgage bonds included international investment funds, commercial banks and the central bank of a Nordic country.

PKO Bank Hipoteczny has successfully completed one of the largest in its history subscription of mortgage covered bonds in Polish currency with a nominal value of PLN 0.8 billion.

The purchasing power of buyers on the housing market in 2023 improved slightly compared to 2022. Taking into account the differences in salary levels in various industries, we can conclude that lawyers, IT specialists and pharmacists have the highest purchasing power. Assuming a certain flexibility in choosing the location of one's apartment, various remote work opportunities in individual professions are also important for the purchasing power on the housing market.

Safe Credit 2% has made the group of mortgage loan applicants younger by almost 10 years. This is the result of the upper age limit for program participants and the loan being intended only for people who do not already have a flat. The average age of BK2% applicants is just over 30 years old.