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The Monetary Policy Council of Narodowy Bank Polski (NBP) kept interest rates unchanged after its meeting on 3–4 November 2026. The reference rate stays at 3.75%, the lombard rate at 4.25% and the deposit rate at 3.25%.
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Poland’s Monetary Policy Council left all National Bank of Poland policy rates unchanged on 7 October 2026. The reference rate remains 3.75% a year. For homebuyers and borrowers, the decision is a pause in the policy benchmark—not an instruction to banks to freeze or cut every mortgage offer.
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Transaction prices of new flats in Poland's largest cities stayed almost flat in the second quarter of 2026, according to the quarterly housing report of the National Bank of Poland (NBP). After adjusting for wage growth, prices fell in every city group, so homes became slightly more affordable.
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Construction and assembly output in Poland was 9.0% lower in September 2026 than a year earlier, according to preliminary data from Statistics Poland (GUS) published on 20 October. All three divisions fell, and construction of buildings fell the most.
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Poland completed 149,200 dwellings in January–September 2026, 3.1% more than a year earlier, according to preliminary data from Statistics Poland (GUS) published on 20 October.
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GUS separates building work, civil engineering and specialist trades. Their August movements were different.
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