The interest rate on mortgages will increase from the current average level of 7.3% to 7.7% by the end of the year, while loans denominated in Swiss francs are likely to remain at 4.2%.

However, there is already a drastic difference between repayment installments in złoty and francs. It currently stands at zł.572 for a loan amounting to zł.250,000, but is likely to grow to zł.650.

This is driving loan-takers to seek mortgages in francs.