Warum nehmen Ukrainer in Polen Kredite bei Banken auf?

Eine erhebliche Anzahl von Flüchtlingen aus der Ukraine lebt jetzt nicht nur vorübergehend in Polen, sondern baut dort auch ihr eigenes Leben auf und gründet Unternehmen. Erfahren Sie, wofür Ukrainer in Polen am häufigsten Kredite aufnehmen.

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A large number of refugees from Ukraine are currently living in Poland due to the war in their homeland. Referring to the data of the Credit Information Bureau, we can find that Ukrainians are willing to use Polish banking services and applications. We will analyze what Ukrainian immigrants in Poland take out loans for most often in the article below. 

Read more about expanding opportunities for Ukrainian entrepreneurs in Poland here.

Ukrainians as clients of Polish banks: statistics 

After the outbreak of the war in Ukraine and the large-scale arrival of refugees in Poland, local bankers began to analyze how Ukrainians would conduct banking operations in the new country. The first option was to use bank accounts only for everyday payments, and the second option was to take out loans. The second option would indicate an intention to settle in Poland and build a life there.

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In the period from January to October 2023, Polish banks issued loans to Ukrainians worth PLN 2,621 billion. Over the same period in 2022, PLN 2,429 billion was accrued. The Credit Information Bureau notes that as of October, the balance of Ukrainians' debt on credit funds in Poland amounted to PLN 7,942 billion.

According to statistics, 75% of Ukrainians apply to Polish banks for mortgage loans for housing, 19% for cash loans, and only 2% for installment loans. 

However, the debts of Ukrainians are not critical, as the total amount of debts is only 0.5 percent of the total loan portfolio of Polish banks.

We remind you! The real estate market in Poland was one of the most active in the world in 2022. However, high inflation and rising prices led to the market stagnation by the end of 2022. Read more about the changes in the Polish real estate rental market in 2023 and the cost of housing in our previous article.

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