The housing market between regulations and social needs – expert insights from Developer Days 2025

The discussion at the Developer Days on housing and Real Estate market in Poland focused on demand and supply, prices, planning reform and the impact of regulations on investments.

Wrocław itself has adopted a long-term strategy (Wrocław 2050) and has put emphasis on complete housing estates, high quality of life, proper densification of the city, access to greenery and communication, and a diverse housing offer (municipal, cooperative, developer, rental).

photo: Greenfields

The most important conclusions from the discussion focused on:

Stability and predictability of the law (fewer regulatory "shocks" and consultations in advance)
Land activation SP/PKP/KOWR - clear mechanisms of cooperation with local governments
Demand support – precise, long-term and limited programs so as not to "overheat" prices
PRS development and social rental without creating "enclaves" – a mix of functions and types of housing in one project
PRS and leases that are needed, but high regulatory risk discourages capital
simplification of planning paths (ZPI, pre-consultations), promotion of compact and coherent housing estates and high-quality urban planning
"Premises for land" – a conceptually attractive option, but in practice blocked by lack of trust and competition for the same land, it is necessary to clarify the rules
Banks have appetites for financing (including land for proven entities), but the risk weights and regulations increase costs - the quality of project preparation and the stability of pre-sales are important
Metro prices in relation to earnings are relatively good compared to the EU, but the barrier is the availability of credit at high rates - the cost of monthly installments counts, not just the price level