Notes: 60-80% is typical
Notes: 60-80% is typical
Notes: 60-80% is typical
Notes: 60-80% is typical
Notes: 60-80% is typical
Notes: 60-80% is typical
Notes: 60-80% is typical
Notes: 60-80% is typical
Notes: 60-80% is typical
Notes: 60-80% is typical
Notes: Annual average
Notes: Annual average
Notes: average
Notes: average
Notes: average
Notes: average
Notes: average
Notes: average
Notes: average
Notes: average
Notes: average
Notes: average
Notes: Bank calculates DTI ratio.
Notes: Bank calculates DTI ratio.
Notes: Bank calculates DTI ratio.
Notes: Bank calculates DTI ratio.
Notes: Bank calculates DTI ratio.
Notes: Bank calculates DTI ratio.
Notes: Bank calculates DTI ratio.
Notes: Depends on the value of the property. Usually PLN 1010 + 0.4% over the value of PLN 60,000 (+ VAT 23%)
Additional notary documents cost PLN 6 per page.
Notes: deposit-based
Notes: deposits
Notes: deposits
Notes: deposits
Notes: deposits
Notes: Due to federal rules the mortgage bank can not offer deposits. So the bank can be classified as non-depository institution. Mortgage banks have been present in Poland since 1997.
Notes: Due to federal rules the mortgage bank can not offer deposits. So the bank can be classified as non-depository institution. Mortgage banks have been present in Poland since 1997.
Notes: Due to federal rules the mortgage bank can not offer deposits. So the bank can be classified as non-depository institution. Mortgage banks have been present in Poland since 1997.
Notes: Due to federal rules the mortgage bank can not offer deposits. So the bank can be classified as non-depository institution. Mortgage banks have been present in Poland since 1997.
Notes: Due to federal rules the mortgage bank can not offer deposits. So the bank can be classified as non-depository institution. Mortgage banks have been present in Poland since 1997.
Notes: Due to federal rules the mortgage bank can not offer deposits. So the bank can be classified as non-depository institution. Mortgage banks have been present in Poland since 1997.
Notes: Due to federal rules the mortgage bank can not offer deposits. So the bank can be classified as non-depository institution. Mortgage banks have been present in Poland since 1997.
Notes: Due to federal rules the mortgage bank can not offer deposits. So the bank can be classified as non-depository institution. Mortgage banks have been present in Poland since 1997.
Notes: Due to federal rules the mortgage bank can not offer deposits. So the bank can be classified as non-depository institution. Mortgage banks have been present in Poland since 1997.
Notes: Due to federal rules the mortgage bank can not offer deposits. So the bank can be classified as non-depository institution. Mortgage banks have been present in Poland since 1997.
Notes: Due to federal rules the mortgage bank can not offer deposits. So the bank can be classified as non-depository institution. Mortgage banks have been present in Poland since 1997.
Notes: Due to federal rules the mortgage bank can not offer deposits. So the bank can be classified as non-depository institution. Mortgage banks have been present in Poland since 1997.
Notes: Due to federal rules the mortgage bank can not offer deposits. So the bank can be classified as non-depository institution. Mortgage banks have been present in Poland since 1997.
Notes: Due to federal rules the mortgage bank can not offer deposits. So the bank can be classified as non-depository institution. Mortgage banks have been present in Poland since 1997.
Notes: Due to federal rules the mortgage bank can not offer deposits. So the bank can be classified as non-depository institution. Mortgage banks have been present in Poland since 1997.
Notes: Due to federal rules the mortgage bank can not offer deposits. So the bank can be classified as non-depository institution. Mortgage banks have been present in Poland since 1997.
Notes: Due to federal rules the mortgage bank can not offer deposits. So the bank can be classified as non-depository institution. Mortgage banks have been present in Poland since 1997.
Notes: Due to federal rules the mortgage bank can not offer deposits. So the bank can be classified as non-depository institution. Mortgage banks have been present in Poland since 1997.
Notes: Due to federal rules the mortgage bank can not offer deposits. So the bank can be classified as non-depository institution. Mortgage banks have been present in Poland since 1997.
Notes: Due to federal rules the mortgage bank can not offer deposits. So the bank can be classified as non-depository institution. Mortgage banks have been present in Poland since 1997.
Notes: Due to federal rules the mortgage bank can not offer deposits. So the bank can be classified as non-depository institution. Mortgage banks have been present in Poland since 1997.
Notes: for non-performing loans only
Notes: for non-performing loans only
Notes: for non-performing loans only
Notes: for non-performing loans only
Notes: for non-performing loans only
Notes: for non-performing loans only
Notes: for non-performing loans only
Notes: for non-performing loans only
Notes: for non-performing loans only
Notes: for non-performing loans only
Notes: Gap Insurance 90%, Down Payment 20%, employment 5%
Notes: Gap Insurance 90%, Down Payment 20%, employment 5%
Notes: Gap Insurance 90%, Down Payment 20%, employment 5%
Notes: Gap Insurance 90%, Down Payment 20%, employment 5%
Notes: Gap Insurance 90%, Down Payment 20%, employment 5%
Notes: houses - 246; apartments - 70463
Notes: houses - 287; apartments - 80608
Notes: houses - 337; apartments - 55151
Notes: houses - 955; apartments - 71229
Notes: houses - 970; apartments - 59527
Notes: Refers to the average useful floor space of dwelling
Notes: Refers to the average useful floor space of dwelling
Notes: Refers to the average useful floor space of dwelling
Notes: Refers to the average useful floor space of dwelling
Notes: Refers to the average useful floor space of dwelling
Notes: Refers to the average useful floor space of dwelling
Notes: Refers to the average useful floor space of dwelling
Notes: Refers to total dwellings completed in 2013
Notes: Retail deposits.
Notes: The KNF's new LTV requirements: from 100%-85% within 3 years of the regulation taking effect or 90% if the amount exceeding 85% is insured
Notes: The level of non-performing loans for 1997-2007 is for 30 days past due.
Notes: The level of non-performing loans for 1997-2007 is for 30 days past due.
Notes: The level of non-performing loans for 1997-2007 is for 30 days past due.
Notes: The level of non-performing loans for 1997-2007 is for 30 days past due.
Notes: The number in Doing Business report is 152 days, while 90% of title register books are now in electronic form and it taks up to 14 days for title transfer.
Notes: The Polish Financial Oversight Commission (Polish: Komisja Nadzoru Finansowego (KNF))
Notes: The Polish Financial Oversight Commission (Polish: Komisja Nadzoru Finansowego (KNF))
Notes: The Polish Financial Oversight Commission (Polish: Komisja Nadzoru Finansowego (KNF))
Notes: The Polish Financial Oversight Commission (Polish: Komisja Nadzoru Finansowego (KNF))
Notes: The Polish Financial Oversight Commission (Polish: Komisja Nadzoru Finansowego (KNF))
Notes: The Polish Financial Oversight Commission (Polish: Komisja Nadzoru Finansowego (KNF))
Notes: The Polish Financial Oversight Commission (Polish: Komisja Nadzoru Finansowego (KNF))
Notes: The Polish Financial Oversight Commission (Polish: Komisja Nadzoru Finansowego (KNF))
Notes: The Polish Financial Oversight Commission (Polish: Komisja Nadzoru Finansowego (KNF))
Notes: The Polish Financial Oversight Commission (Polish: Komisja Nadzoru Finansowego (KNF))
Notes: The Polish Financial Oversight Commission (Polish: Komisja Nadzoru Finansowego (KNF))
Notes: This figure is Average apartment price to Average annual income per capita for the country.
Notes: This figure is Average apartment price to Average annual income per capita in Poland for the country.
Notes: This figure is Average apartment price to Average annual income per capita in Poland for the country.
Notes: This figure is Average apartment price to Average annual income per capita in Poland for the country.
Notes: This figure is Average apartment price to Average annual income per capita in Poland for the country.
Notes: This is for the entire nation, not just urban.
Notes: This is for the entire nation, not just urban.
Notes: This is for the entire nation, not just urban.
Notes: This is for the entire nation, not just urban.
Notes: This is for the entire nation, not just urban.
Notes: This is for the entire nation, not just urban.
Notes: This is for the entire nation, not just urban.
Notes: This is for the entire nation, not just urban.