Housing policy is one of the key factors shaping the real estate market. Government decisions in this area have a direct impact on supply, demand, and the availability of housing for various social groups.

In 2025, anticipated changes in housing policy may have significant consequences for both developers and individuals planning to purchase their own property.

New Housing Program – Support for Youth and Social Housing

The Ministry of Development and Technology has announced the introduction of a new housing program set to launch in the first quarter of 2025. The primary goal of this initiative is to support social housing and facilitate access to the first apartment for young Poles. Unlike previous projects, the program does not provide zero-interest loans but will focus on other forms of financial and organizational assistance. Details of the new strategy are still under analysis, but it is already known that the funds for the program will amount to 4.2 billion zlotys.

2025 Budget – Record Funds for Housing Purposes

The government has declared record support for the housing sector. The budget for 2025 allocates as much as 4.2 billion zlotys for various forms of assistance. Funding will be directed towards the development of social housing, support programs for tenants, and initiatives aimed at improving the availability of housing in medium and large cities. Increasing investments in construction aims to counteract the growing housing problems affecting Poles, especially in the context of rising property prices.

Expected Changes in Housing Prices in 2025

Real estate market experts predict further increases in housing prices in 2025, although the pace of growth is expected to be slower than in previous years. Analyses indicate that average increases may reach 5–7% annually. The main factors influencing this trend will be limited land supply, rising construction costs, and sustained demand for properties. Additionally, new regulations and support programs may stimulate the market, but their effects will only be visible in the long term.

Interest Rates and Mortgage Loans

The monetary policy of the NBP and decisions made by the Monetary Policy Council play a crucial role in shaping the availability of mortgage loans. Current predictions suggest that interest rate cuts may not occur until 2026, which could mean maintaining high borrowing costs for those planning to buy a home. High loan interest rates combined with rising property prices pose a challenge to the purchasing power of many Poles, especially young families and individuals with lower incomes.

Land Reforms – New Areas for Construction

One of the key elements of the government's strategy for 2025 is the planned changes to regulations regarding land for residential construction. The government is announcing reforms aimed at releasing new investment areas, which could increase the supply of housing and influence price stabilization. The availability of land is one of the main issues in the real estate market, so changes in this area will be significant for developers and future buyers.

Key Challenges and Hopes for 2025

The government's housing policy in 2025 will have a significant impact on the real estate market. Record funds allocated for construction, a new support program, and land reforms may yield positive effects in the long term. However, rising housing prices and sustained high interest rates will remain challenges for individuals planning to purchase property. In the coming months, it will be crucial to observe how government plans are implemented and whether they will bring the expected results.

Source: https://www.cashify.eu/blog/rynek-nieruchomosci-w-2025-roku