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1</head><body class="font-sans antialiased"><div hidden=""><!--$?--><template id="B:0"></template><!--/$--></div><a href="#main" class="sr-only focus:not-sr-only focus:fixed focus:left-4 focus:top-4 focus:z-[100] focus:rounded-md focus:bg-navy-900 focus:px-4 focus:py-3 focus:text-sm focus:font-semibold focus:text-white">Przejdź do treÅci</a><div class="flex min-h-dvh min-w-0 flex-col"><!--$!--><template data-dgst="DYNAMIC_SERVER_USAGE"></template><!--/$--><!--$?--><template id="B:1"></template><header class="sticky top-0 z-20 border-b border-navy-800 bg-navy-900"><div class="mx-auto w-full px-4 sm:px-6 lg:px-8 max-w-wide"><div class="flex h-16 items-center lg:h-[4.5rem]"><a class="group inline-flex min-h-11 items-center rounded-md" aria-label="podkluczyk.pl â strona gÅówna" href="/"><img alt="" loading="lazy" width="297" height="68" decoding="async" data-nimg="1" class="h-8 w-auto transition-transform duration-base ease-enter group-hover:-rotate-1" style="color:transparent" srcSet="/_next/image/?url=%2Fpodkluczyk-logo.png&w=384&q=75 1x, /_next/image/?url=%2Fpodkluczyk-logo.png&w=640&q=75 2x" src="/_next/image/?url=%2Fpodkluczyk-logo.png&w=640&q=75"/></a></div></div></header><!--/$--><main id="main" class="min-w-0 flex-1"><div class="border-b border-hairline bg-canvas"><div class="mx-auto w-full px-4 sm:px-6 lg:px-8 max-w-wide py-10 md:py-14"><nav aria-label="Åcieżka nawigacji" class="text-sm"><ol class="flex flex-wrap items-center gap-x-1.5 gap-y-1 text-subtle"><li class="flex min-w-0 max-w-full items-center gap-1.5"><a class="rounded hover:underline hover:underline-offset-2 hover:text-brand-700" href="/">podkluczyk.pl</a></li><li class="flex min-w-0 max-w-full items-center gap-1.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-right h-3.5 w-3.5 shrink-0 text-navy-300" aria-hidden="true"><path d="m9 18 6-6-6-6"></path></svg><span class="min-w-0 break-words font-medium text-muted" aria-current="page">Blog</span></li></ol></nav>
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1<p class="mt-6 text-xs font-bold uppercase tracking-[0.18em] text-brand-700">Baza wiedzy</p><h1 class="mt-2 max-w-3xl font-display text-4xl font-bold tracking-[-0.02em] text-ink sm:text-5xl">Blog</h1><div class="mt-4 max-w-2xl text-lg leading-relaxed text-muted">ComiesiÄczne raporty cen mieszkaÅ, poradniki dla kupujÄ
cych i inwestorów oraz cykl o kredycie hipotecznym.</div><p class="tnum mt-5 text-sm text-subtle">181<!-- --> <!-- -->artykuÅów<!-- --> · strona 1 z 19</p></div></div><div class="mx-auto w-full px-4 sm:px-6 lg:px-8 max-w-wide py-12 md:py-16"><div><div><div class="grid gap-6 sm:grid-cols-2 xl:grid-cols-3"><article class="rounded-lg border shadow-1 border-hairline bg-white transition-[transform,box-shadow,border-color] duration-base ease-enter hover:-translate-y-0.5 hover:shadow-2 focus-within:-translate-y-0.5 focus-within:shadow-2 group relative flex h-full flex-col overflow-hidden"><div class="relative aspect-[16/9] overflow-hidden bg-navy-100"><img alt="Kredyty hipoteczne 2026 â stopy procentowe, WIBOR i prognozy rynku" loading="lazy" decoding="async" data-nimg="fill" class="object-cover transition-transform duration-slow ease-enter group-hover:scale-[1.03]" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://podkluczyk.pl/wp-content/uploads/2026/01/karol_2026.png?v=2"/></div><div class="flex flex-1 flex-col gap-2.5 p-5"><h3 class="font-display text-lg font-bold leading-snug text-ink"><a class="after:absolute after:inset-0 after:content-[''] hover:underline hover:decoration-brand-400 hover:decoration-2 hover:underline-offset-4" href="/kredyty-hipoteczne-2026-stopy-procentowe-wibor-i-prognozy-rynku/">Kredyty hipoteczne 2026 â stopy procentowe, WIBOR i prognozy rynku</a></h3><p class="line-clamp-3 text-sm leading-relaxed text-muted">Wraz z koÅcem 2025 roku przyszedÅ czas na podsumowania oraz spojrzenie w przyszÅoÅÄ â szczególnie w kontekÅcie rynku kredytów hipotecznych. W dzisiejszym wpisie przyglÄ
damy siÄ obniżkom stóp procentowych, aktualnej sytuacji na rynku kredytowym oraz â standardowo â ograniczeniom w pracy banków w okresie ÅwiÄ
tecznym. Sprawdź też ð Jak przygotowaÄ siÄ do kredytu hipotecznego? [cykl] Kredyty hipoteczne w 2026 roku⦠Dowiedz siÄ wiÄcej Kredyty hipoteczne 2026 â stopy procentowe, WIBOR i prognozy rynku</p><div class="mt-auto flex flex-wrap items-center gap-x-3 gap-y-1 pt-2 text-xs text-subtle"><time dateTime="2025-12-27T09:03:00.000Z">27 grudnia 2025</time><span class="inline-flex items-center gap-1"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-clock h-3 w-3" aria-hidden="true"><circle cx="12" cy="12" r="10"></circle><path d="M12 6v6l4 2"></path></svg>15<!-- --> min</span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-arrow-up-right ml-auto h-4 w-4 text-navy-300 transition-transform duration-base ease-enter group-hover:-translate-y-0.5 group-hover:translate-x-0.5 group-hover:text-brand-600" aria-hidden="true"><path d="M7 7h10v10"></path><path d="M7 17 17 7"></path></svg></div></div></article><article class="rounded-lg border shadow-1 border-hairline bg-white transition-[transform,box-shadow,border-color] duration-base ease-enter hover:-translate-y-0.5 hover:shadow-2 focus-within:-translate-y-0.5 focus-within:shadow-2 group relative flex h-full flex-col overflow-hidden"><div class="relative aspect-[16/9] overflow-hidden bg-navy-100"><img alt="PogÅÄbia siÄ korekta uÅrednionych cen mieszkaÅ w Polsce - dane z sierpnia 2025" loading="lazy" decoding="async" data-nimg="fill" class="object-cover transition-transform duration-slow ease-enter group-hover:scale-[1.03]" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://podkluczyk.pl/wp-content/uploads/2025/09/IMG_5469.png?v=2"/></div><div class="flex flex-1 flex-col gap-2.5 p-5"><h3 class="font-display text-lg font-bold leading-snug text-ink"><a class="after:absolute after:inset-0 after:content-[''] hover:underline hover:decoration-brand-400 hover:decoration-2 hover:underline-offset-4" href="/poglebia-sie-korekta-usrednionych-cen-mieszkan-w-polsce-dane-z-sierpnia-2025/">PogÅÄbia siÄ korekta uÅrednionych cen mieszkaÅ w Polsce â dane z sierpnia 2025</a></h3><p class="line-clamp-3 text-sm leading-relaxed text-muted">SierpieÅ 2025 na rynku nieruchomoÅci przynosi pogÅÄbienie siÄ korekty cen ofertowych mieszkaÅ w Polsce. UÅrednione ceny ofertowe mieszkaÅ w Polsce w porównaniu z ubiegÅym rokiem sÄ
niższe nominalnie o 0,8%. Po uwzglÄdnieniu 2,8% inflacji CPI z sierpnia realny uÅredniony spadek cen mieszkaÅ w Polsce siÄga już -3,6%.
1Czy to dobry moment na zakup nieruchomoÅci? Ile⦠Dowiedz siÄ wiÄcej PogÅÄbia siÄ korekta uÅrednionych cen mieszkaÅ w Polsce â dane z sierpnia 2025</p><div class="mt-auto flex flex-wrap items-center gap-x-3 gap-y-1 pt-2 text-xs text-subtle"><time dateTime="2025-09-24T06:57:53.000Z">24 wrzeÅnia 2025</time><span class="inline-flex items-center gap-1"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-clock h-3 w-3" aria-hidden="true"><circle cx="12" cy="12" r="10"></circle><path d="M12 6v6l4 2"></path></svg>16<!-- --> min</span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-arrow-up-right ml-auto h-4 w-4 text-navy-300 transition-transform duration-base ease-enter group-hover:-translate-y-0.5 group-hover:translate-x-0.5 group-hover:text-brand-600" aria-hidden="true"><path d="M7 7h10v10"></path><path d="M7 17 17 7"></path></svg></div></div></article><article class="rounded-lg border shadow-1 border-hairline bg-white transition-[transform,box-shadow,border-color] duration-base ease-enter hover:-translate-y-0.5 hover:shadow-2 focus-within:-translate-y-0.5 focus-within:shadow-2 group relative flex h-full flex-col overflow-hidden"><div class="relative aspect-[16/9] overflow-hidden bg-navy-100"><img alt="Obniżki stóp procentowych, rynek kredytowy i mieszkalnictwo w 2025 roku â co nas czeka?" loading="lazy" decoding="async" data-nimg="fill" class="object-cover transition-transform duration-slow ease-enter group-hover:scale-[1.03]" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://podkluczyk.pl/wp-content/uploads/2025/09/wrzesien_karol.png?v=2"/></div><div class="flex flex-1 flex-col gap-2.5 p-5"><h3 class="font-display text-lg font-bold leading-snug text-ink"><a class="after:absolute after:inset-0 after:content-[''] hover:underline hover:decoration-brand-400 hover:decoration-2 hover:underline-offset-4" href="/obnizki-stop-procentowych-rynek-kredytowy-i-mieszkalnictwo-w-2025-roku-co-nas-czeka/">Obniżki stóp procentowych, rynek kredytowy i mieszkalnictwo w 2025 roku â co nas czeka?</a></h3><p class="line-clamp-3 text-sm leading-relaxed text-muted">Koniec wakacji to idealny moment na podsumowanie ostatnich wydarzeÅ na rynku finansowym i mieszkaniowym oraz prognozy na najbliższe miesiÄ
ce. W dzisiejszym wpisie przyglÄ
damy siÄ kolejnym obniżkom stóp procentowych w 2025, sytuacji na rynku kredytów hipotecznych, polityce mieszkaniowej rzÄ
du oraz perspektywom na przyszÅoÅÄ. Sprawdź też ð Jak przygotowaÄ siÄ do kredytu hipotecznego? [cykl] Co dalej z⦠Dowiedz siÄ wiÄcej Obniżki stóp procentowych, rynek kredytowy i mieszkalnictwo w 2025 roku â co nas czeka?</p><div class="mt-auto flex flex-wrap items-center gap-x-3 gap-y-1 pt-2 text-xs text-subtle"><time dateTime="2025-09-20T09:59:00.000Z">20 wrzeÅnia 2025</time><span class="inline-flex items-center gap-1"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-clock h-3 w-3" aria-hidden="true"><circle cx="12" cy="12" r="10"></circle><path d="M12 6v6l4 2"></path></svg>16<!-- --> min</span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-arrow-up-right ml-auto h-4 w-4 text-navy-300 transition-transform duration-base ease-enter group-hover:-translate-y-0.5 group-hover:translate-x-0.5 group-hover:text-brand-600" aria-hidden="true"><path d="M7 7h10v10"></path><path d="M7 17 17 7"></path></svg></div></div></article><article class="rounded-lg border shadow-1 border-hairline bg-white transition-[transform,box-shadow,border-color] duration-base ease-enter hover:-translate-y-0.5 hover:shadow-2 focus-within:-translate-y-0.5 focus-within:shadow-2 group relative flex h-full flex-col overflow-hidden"><div class="relative aspect-[16/9] overflow-hidden bg-navy-100"><img alt="korekta cen ofertowych mieszkaÅ w Polsce" loading="lazy" decoding="async" data-nimg="fill" class="object-cover transition-transform duration-slow ease-enter group-hover:scale-[1.03]" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://podkluczyk.pl/wp-content/uploads/2025/08/IMG_5440.png?v=2"/></div><div class="flex flex-1 flex-col gap-2.5 p-5"><h3 class="font-display text-lg font-bold leading-snug text-ink"><a class="after:absolute after:inset-0 after:content-[''] hover:underline hover:decoration-brand-400 hover:decoration-2 hover:underline-offset-4" href="/trwa-korekta-cen-ofertowych-mieszkan-raport-cen-nieruchomosci-w-lipcu-2025/">Trwa korekta cen ofertowych mieszkaÅ â raport cen nieruchomoÅci w lipcu 2025</a></h3><p class="line-clamp-3 text-sm leading-relaxed text-muted">W lipcu 2025 rynek nieruchomoÅci odnotowaÅ dalszy spadek cen â uÅredniony Indeks Cen MieszkaÅ podkluczyk.pl obniżyÅ siÄ o 0,3% rok do roku. Przy inflacji CPI na poziomie 3,1%, realny spadek cen mieszkaÅ wynosi okoÅo 3,4%. Ob
1niżka stóp procentowych NBP do 5% może sprzyjaÄ wiÄkszej dostÄpnoÅci kredytów, jednak rynek pozostaje w fazie ochÅodzenia â ceny spadajÄ
⦠Dowiedz siÄ wiÄcej Trwa korekta cen ofertowych mieszkaÅ â raport cen nieruchomoÅci w lipcu 2025</p><div class="mt-auto flex flex-wrap items-center gap-x-3 gap-y-1 pt-2 text-xs text-subtle"><time dateTime="2025-08-23T08:38:00.000Z">23 sierpnia 2025</time><span class="inline-flex items-center gap-1"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-clock h-3 w-3" aria-hidden="true"><circle cx="12" cy="12" r="10"></circle><path d="M12 6v6l4 2"></path></svg>16<!-- --> min</span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-arrow-up-right ml-auto h-4 w-4 text-navy-300 transition-transform duration-base ease-enter group-hover:-translate-y-0.5 group-hover:translate-x-0.5 group-hover:text-brand-600" aria-hidden="true"><path d="M7 7h10v10"></path><path d="M7 17 17 7"></path></svg></div></div></article><article class="rounded-lg border shadow-1 border-hairline bg-white transition-[transform,box-shadow,border-color] duration-base ease-enter hover:-translate-y-0.5 hover:shadow-2 focus-within:-translate-y-0.5 focus-within:shadow-2 group relative flex h-full flex-col overflow-hidden"><div class="relative aspect-[16/9] overflow-hidden bg-navy-100"><img alt="refinansowanie kredytu hipotecznego w 2025 roku" loading="lazy" decoding="async" data-nimg="fill" class="object-cover transition-transform duration-slow ease-enter group-hover:scale-[1.03]" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://podkluczyk.pl/wp-content/uploads/2025/07/IMG_5424.png?v=2"/></div><div class="flex flex-1 flex-col gap-2.5 p-5"><h3 class="font-display text-lg font-bold leading-snug text-ink"><a class="after:absolute after:inset-0 after:content-[''] hover:underline hover:decoration-brand-400 hover:decoration-2 hover:underline-offset-4" href="/dlaczego-warto-refinansowac-kredyt-hipoteczny-w-2025-roku/">Dlaczego warto refinansowaÄ kredyt hipoteczny w 2025 roku?</a></h3><p class="line-clamp-3 text-sm leading-relaxed text-muted">W ostatnich miesiÄ
cach coraz wiÄcej osób pyta o przeniesienie kredytu hipotecznego do innego banku, czyli tzw. refinansowanie. Proces ten pozwala na zmianÄ warunków kredytu, czÄsto na bardziej korzystne, i może byÄ równie ważny jak zaciÄ
gniÄcie nowego kredytu. SkÄ
d to zainteresowanie refinansowaniem kredytu hipotecznego w poÅowie 2025 roku? W tym artykule wyjaÅnimy, dlaczego teraz jest dobry⦠Dowiedz siÄ wiÄcej Dlaczego warto refinansowaÄ kredyt hipoteczny w 2025 roku?</p><div class="mt-auto flex flex-wrap items-center gap-x-3 gap-y-1 pt-2 text-xs text-subtle"><time dateTime="2025-07-16T07:12:46.000Z">16 lipca 2025</time><span class="inline-flex items-center gap-1"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-clock h-3 w-3" aria-hidden="true"><circle cx="12" cy="12" r="10"></circle><path d="M12 6v6l4 2"></path></svg>14<!-- --> min</span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-arrow-up-right ml-auto h-4 w-4 text-navy-300 transition-transform duration-base ease-enter group-hover:-translate-y-0.5 group-hover:translate-x-0.5 group-hover:text-brand-600" aria-hidden="true"><path d="M7 7h10v10"></path><path d="M7 17 17 7"></path></svg></div></div></article><article class="rounded-lg border shadow-1 border-hairline bg-white transition-[transform,box-shadow,border-color] duration-base ease-enter hover:-translate-y-0.5 hover:shadow-2 focus-within:-translate-y-0.5 focus-within:shadow-2 group relative flex h-full flex-col overflow-hidden"><div class="relative aspect-[16/9] overflow-hidden bg-navy-100"><img alt="Obniżka stóp procentowych 2025 â co oznacza dla kredytów hipotecznych i WIBOR?" loading="lazy" decoding="async" data-nimg="fill" class="object-cover transition-transform duration-slow ease-enter group-hover:scale-[1.03]" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://podkluczyk.pl/wp-content/uploads/2025/06/newsletter_karol_czerwiec.png?v=2"/></div><div class="flex flex-1 flex-col gap-2.5 p-5"><h3 class="font-display text-lg font-bold leading-snug text-ink"><a class="after:absolute after:inset-0 after:content-[''] hover:underline hover:decoration-brand-400 hover:decoration-2 hover:underline-offset-4" href="/obnizki-stop-procentowych-co-oznaczaja-dla-kredytobiorcow-w-2025-roku/">Obniżki stóp procentowych: Co oznaczajÄ
dla kredytobiorców w 2025 roku?</a></h3><p class="line-clamp-3 text-sm leading-relaxed text-muted">Jak zapowiadaliÅmy w poprzednim wpisie, po ÅwiÄtach kredytobiorcy otrzymali nieco spóźniony prezent â obniżkÄ stóp procentowych o 0,5%. Wielu klientów banków, e
1kspertów i poÅredników kredytowych z niecierpliwoÅciÄ
oczekiwaÅo kolejnych decyzji. Jednak tak zmienna, jak polska pogoda, jest również polityka Prezesa GlapiÅskiego. W czerwcu RPP nie kontynuowaÅa obniżek. Rynek wyczekuje co z decyzjÄ
RPP w lipcu.⦠Dowiedz siÄ wiÄcej Obniżki stóp procentowych: Co oznaczajÄ
dla kredytobiorców w 2025 roku?</p><div class="mt-auto flex flex-wrap items-center gap-x-3 gap-y-1 pt-2 text-xs text-subtle"><time dateTime="2025-06-25T08:31:23.000Z">25 czerwca 2025</time><span class="inline-flex items-center gap-1"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-clock h-3 w-3" aria-hidden="true"><circle cx="12" cy="12" r="10"></circle><path d="M12 6v6l4 2"></path></svg>14<!-- --> min</span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-arrow-up-right ml-auto h-4 w-4 text-navy-300 transition-transform duration-base ease-enter group-hover:-translate-y-0.5 group-hover:translate-x-0.5 group-hover:text-brand-600" aria-hidden="true"><path d="M7 7h10v10"></path><path d="M7 17 17 7"></path></svg></div></div></article><article class="rounded-lg border shadow-1 border-hairline bg-white transition-[transform,box-shadow,border-color] duration-base ease-enter hover:-translate-y-0.5 hover:shadow-2 focus-within:-translate-y-0.5 focus-within:shadow-2 group relative flex h-full flex-col overflow-hidden"><div class="relative aspect-[16/9] overflow-hidden bg-navy-100"><img alt="spadki cen mieszkaÅ w maju 2025" loading="lazy" decoding="async" data-nimg="fill" class="object-cover transition-transform duration-slow ease-enter group-hover:scale-[1.03]" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://podkluczyk.pl/wp-content/uploads/2025/06/IMG_5414.png?v=2"/></div><div class="flex flex-1 flex-col gap-2.5 p-5"><h3 class="font-display text-lg font-bold leading-snug text-ink"><a class="after:absolute after:inset-0 after:content-[''] hover:underline hover:decoration-brand-400 hover:decoration-2 hover:underline-offset-4" href="/maj-przynosi-kolejne-spadki-w-20-z-37-najwiekszych-miast-ceny-mieszkan-w-dol/">Maj przynosi kolejne spadki: w 20 z 37 najwiÄkszych miast ceny mieszkaÅ w dóÅ</a></h3><p class="line-clamp-3 text-sm leading-relaxed text-muted">W maju 2025 na rynku nieruchomoÅci kontynuacja trendu spadkowego â uÅredniony Indeks Cen MieszkaÅ podkluczyk.pl spadÅ o 1,3% rok do roku. Przy inflacji CPI na poziomie 4,1%, realny spadek cen mieszkaÅ wynosi już 5,4%. Obniżka stóp procentowych NBP o 0,5 pkt proc. może zwiÄkszyÄ dostÄpnoÅÄ kredytów, ale rynek wciÄ
ż jest chÅodny â ceny spadajÄ
w⦠Dowiedz siÄ wiÄcej Maj przynosi kolejne spadki: w 20 z 37 najwiÄkszych miast ceny mieszkaÅ w dóÅ</p><div class="mt-auto flex flex-wrap items-center gap-x-3 gap-y-1 pt-2 text-xs text-subtle"><time dateTime="2025-06-21T11:54:28.000Z">21 czerwca 2025</time><span class="inline-flex items-center gap-1"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-clock h-3 w-3" aria-hidden="true"><circle cx="12" cy="12" r="10"></circle><path d="M12 6v6l4 2"></path></svg>16<!-- --> min</span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-arrow-up-right ml-auto h-4 w-4 text-navy-300 transition-transform duration-base ease-enter group-hover:-translate-y-0.5 group-hover:translate-x-0.5 group-hover:text-brand-600" aria-hidden="true"><path d="M7 7h10v10"></path><path d="M7 17 17 7"></path></svg></div></div></article><article class="rounded-lg border shadow-1 border-hairline bg-white transition-[transform,box-shadow,border-color] duration-base ease-enter hover:-translate-y-0.5 hover:shadow-2 focus-within:-translate-y-0.5 focus-within:shadow-2 group relative flex h-full flex-col overflow-hidden"><div class="relative aspect-[16/9] overflow-hidden bg-navy-100"><img alt="ceny mieszkaÅ w Polsce w kwietniu 2025 - korekta cen mieszkaÅ" loading="lazy" decoding="async" data-nimg="fill" class="object-cover transition-transform duration-slow ease-enter group-hover:scale-[1.03]" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://podkluczyk.pl/wp-content/uploads/2025/05/IMG_5365.png?v=2"/></div><div class="flex flex-1 flex-col gap-2.5 p-5"><h3 class="font-display text-lg font-bold leading-snug text-ink"><a class="after:absolute after:inset-0 after:content-[''] hover:underline hover:decoration-brand-400 hover:decoration-2 hover:underline-offset-4" href="/historyczny-s
1padek-cen-mieszkan-w-polsce-kwiecien-2025-pod-lupa/">Historyczny spadek cen mieszkaÅ w Polsce â kwiecieÅ 2025 pod lupÄ
</a></h3><p class="line-clamp-3 text-sm leading-relaxed text-muted">KwiecieÅ 2025 przyniósÅ przeÅom na polskim rynku nieruchomoÅci â uÅrednione nominalne ceny mieszkaÅ w Polsce po raz pierwszy od lat spadÅy o 0,5% rok do roku! Przy inflacji 4,2% realny spadek wynosi aż 4,7%, a w 20 z 37 dużych miast ceny poszÅy w dóŠw porównaniu z poprzednim miesiÄ
cem. Sprawdź najnowsze dane Indeksu Cen⦠Dowiedz siÄ wiÄcej Historyczny spadek cen mieszkaÅ w Polsce â kwiecieÅ 2025 pod lupÄ
</p><div class="mt-auto flex flex-wrap items-center gap-x-3 gap-y-1 pt-2 text-xs text-subtle"><time dateTime="2025-05-10T15:31:59.000Z">10 maja 2025</time><span class="inline-flex items-center gap-1"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-clock h-3 w-3" aria-hidden="true"><circle cx="12" cy="12" r="10"></circle><path d="M12 6v6l4 2"></path></svg>17<!-- --> min</span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-arrow-up-right ml-auto h-4 w-4 text-navy-300 transition-transform duration-base ease-enter group-hover:-translate-y-0.5 group-hover:translate-x-0.5 group-hover:text-brand-600" aria-hidden="true"><path d="M7 7h10v10"></path><path d="M7 17 17 7"></path></svg></div></div></article><article class="rounded-lg border shadow-1 border-hairline bg-white transition-[transform,box-shadow,border-color] duration-base ease-enter hover:-translate-y-0.5 hover:shadow-2 focus-within:-translate-y-0.5 focus-within:shadow-2 group relative flex h-full flex-col overflow-hidden"><div class="relative aspect-[16/9] overflow-hidden bg-navy-100"><img alt="Ceny mieszkaÅ w Polsce marzec 2025 - trendy i aktualne dane w miastach wojewódzkich" loading="lazy" decoding="async" data-nimg="fill" class="object-cover transition-transform duration-slow ease-enter group-hover:scale-[1.03]" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://podkluczyk.pl/wp-content/uploads/2025/04/IMG_5347.png?v=2"/></div><div class="flex flex-1 flex-col gap-2.5 p-5"><h3 class="font-display text-lg font-bold leading-snug text-ink"><a class="after:absolute after:inset-0 after:content-[''] hover:underline hover:decoration-brand-400 hover:decoration-2 hover:underline-offset-4" href="/ceny-mieszkan-w-polsce-w-marcu-2025-najnowsze-dane-z-miast-i-wojewodztw/">Ceny mieszkaÅ w Polsce w marcu 2025 â najnowsze dane z miast i województw</a></h3><p class="line-clamp-3 text-sm leading-relaxed text-muted">W marcu 2025 roku polski rynek nieruchomoÅci mieszkaniowych nadal ewoluuje, choÄ realne ceny mieszkaÅ w Polsce ulegajÄ
korekcie. Nominalny wzrost cen mieszkaÅ w Polsce wynosi zaledwie 0,6% r/r, ale inflacja na poziomie 4,9% sprawia, że realne ceny mieszkaÅ w Polsce spadÅy o 4,3% r/r. W naszym artykule przedstawiamy aktualne dane dotyczÄ
ce median cen za metr⦠Dowiedz siÄ wiÄcej Ceny mieszkaÅ w Polsce w marcu 2025 â najnowsze dane z miast i województw</p><div class="mt-auto flex flex-wrap items-center gap-x-3 gap-y-1 pt-2 text-xs text-subtle"><time dateTime="2025-04-19T12:05:57.000Z">19 kwietnia 2025</time><span class="inline-flex items-center gap-1"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-clock h-3 w-3" aria-hidden="true"><circle cx="12" cy="12" r="10"></circle><path d="M12 6v6l4 2"></path></svg>17<!-- --> min</span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-arrow-up-right ml-auto h-4 w-4 text-navy-300 transition-transform duration-base ease-enter group-hover:-translate-y-0.5 group-hover:translate-x-0.5 group-hover:text-brand-600" aria-hidden="true"><path d="M7 7h10v10"></path><path d="M7 17 17 7"></path></svg></div></div></article><article class="rounded-lg border shadow-1 border-hairline bg-white transition-[transform,box-shadow,border-color] duration-base ease-enter hover:-translate-y-0.5 hover:shadow-2 focus-within:-translate-y-0.5 focus-within:shadow-2 group relative flex h-full flex-col overflow-hidden"><div class="relative aspect-[16/9] overflow-hidden bg-navy-100"><img alt="obniżki stóp procentowych w 2025, kredyty hipoteczne wiosna 2025" loading="lazy" decoding="async" data-nimg="fill" class="object-cover transition-transform duration-slow ease-enter group-hover:scale-[1.03]" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" src="https://podkluczyk.pl/wp-content/uploads/2025/04/IMG_5338.png?v=2"/></div><div class="flex flex-1 flex-col gap-2.5 p-5"><h3 class="font-display text-lg font-bold leading-snug text-ink"><a class="after:absolute after:inset-0 after:content-[''] hover:underline hover:decoration-brand-400 hover:decoration-2 hover:underline-offset-4" href="/wiosna-na-rynku-kredytowym-w-oczekiwaniu-na-pierwsze-obnizki-stop-procentowych-w-2025/">Wiosna na rynku kredytowym: w oczekiwaniu na pierwsze obniżki stóp procentowych w 2025</a></h3><p class="line-clamp-3 text-sm leading-relaxed text-muted">Wiosna przyniosÅa powiew ÅwieżoÅci na polski rynek kredytowy. Negocjacje handlowe Donalda Trumpa oraz duża zmiennoÅÄ na rynkach gieÅdowych wpÅynÄÅy na sektor finansowy w Polsce. Eksperci zauważajÄ
, że po ÅwiÄtach osoby posiadajÄ
ce lub planujÄ
ce kredyt hipoteczny w 2025 mogÄ
spodziew
1aÄ siÄ korzystnych zmian, które niektórzy okreÅlajÄ
jako âspóźnione prezenty wielkanocneâ. Rada Polityki PieniÄżnej zapowiedziaÅa bowiem pierwsze⦠Dowiedz siÄ wiÄcej Wiosna na rynku kredytowym: w oczekiwaniu na pierwsze obniżki stóp procentowych w 2025</p><div class="mt-auto flex flex-wrap items-center gap-x-3 gap-y-1 pt-2 text-xs text-subtle"><time dateTime="2025-04-16T07:36:48.000Z">16 kwietnia 2025</time><span class="inline-flex items-center gap-1"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-clock h-3 w-3" aria-hidden="true"><circle cx="12" cy="12" r="10"></circle><path d="M12 6v6l4 2"></path></svg>15<!-- --> min</span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-arrow-up-right ml-auto h-4 w-4 text-navy-300 transition-transform duration-base ease-enter group-hover:-translate-y-0.5 group-hover:translate-x-0.5 group-hover:text-brand-600" aria-hidden="true"><path d="M7 7h10v10"></path><path d="M7 17 17 7"></path></svg></div></div></article></div><nav aria-label="Paginacja" class="mt-14 flex items-center justify-center gap-1.5"><ul class="flex items-center gap-1.5"><li><a aria-current="page" class="tnum inline-flex h-11 min-w-[2.75rem] items-center justify-center rounded-md px-3 text-sm font-semibold transition-colors duration-fast bg-navy-900 text-white" href="/blog/">1</a></li><li><a class="tnum inline-flex h-11 min-w-[2.75rem] items-center justify-center rounded-md px-3 text-sm font-semibold transition-colors duration-fast border border-navy-200 bg-white text-ink hover:border-brand-300 hover:bg-brand-50" href="/blog/page/2/">2</a></li><li class="px-1 text-subtle" aria-hidden="true">â¦</li><li><a class="tnum inline-flex h-11 min-w-[2.75rem] items-center justify-center rounded-md px-3 text-sm font-semibold transition-colors duration-fast border border-navy-200 bg-white text-ink hover:border-brand-300 hover:bg-brand-50" href="/blog/page/19/">19</a></li></ul><a class="inline-flex h-11 items-center gap-1.5 rounded-md border border-navy-200 bg-white px-3.5 text-sm font-semibold text-ink transition-colors duration-fast hover:border-brand-300 hover:bg-brand-50" rel="next" aria-label="NastÄpna strona" href="/blog/page/2/"><span class="hidden sm:inline">NastÄpna</span><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-right h-4 w-4" aria-hidden="true"><path d="m9 18 6-6-6-6"></path></svg></a></nav></div></div></div><!--$?--><template id="B:2"></template><!--/$--></main><!--$?--><template id="B:3"></template><footer class="no-print border-t border-navy-800 bg-navy-950 text-navy-200"><div class="mx-auto w-full px-4 sm:px-6 lg:px-8 max-w-wide py-14 md:py-16"><div class="grid gap-10 lg:grid-cols-[1.2fr_2.8fr]"><div class="flex flex-col gap-4"><a class="group inline-flex min-h-11 items-center rounded-md" aria-label="podkluczyk.pl â strona gÅówna" href="/"><img alt="" loading="lazy" width="297" height="68" decoding="async" data-nimg="1" class="h-8 w-auto transition-transform duration-base ease-enter group-hover:-rotate-1" style="color:transparent" srcSet="/_next/image/?url=%2Fpodkluczyk-logo.png&w=384&q=75 1x, /_next/image/?url=%2Fpodkluczyk-logo.png&w=640&q=75 2x" src="/_next/image/?url=%2Fpodkluczyk-logo.png&w=640&q=75"/></a><p class="max-w-xs text-sm leading-relaxed text-navy-300">Asystent inwestycji w nieruchomoÅci. Monitorujemy <!-- -->60+ aktywnych portali na rynku<!-- --> i pokazujemy, ile realnie możesz wynegocjowaÄ.</p><a class="inline-flex min-h-11 w-fit items-center text-sm font-semibold text-brand-300 underline decoration-brand-500/40 underline-offset-4 transition-colors hover:text-brand-200 hover:decoration-brand-400" href="/kontakt/?temat=portal">Zaproponuj portal do monitorowania</a><a href="/cdn-cgi/l/email-protection#fb9094958f9a908fbb8b949f90978e98818290d58b97" class="inline-flex min-h-11 w-fit items-center gap-2 text-sm font-semibold text-navy-100 underline decoration-navy-600 decoration-2 underline-offset-4 hover:
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