Studia humana (SH) is a multi-disciplinary peer reviewed journal publishing valuable
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Krzysztof Opolski, Agata Gemzik-Salwach, Anna Horodecka, Andrzej J. Żuk, Justyna Chmiel, Aleksandra Borowska, Robert Zajkowski, Beata Żukowska, Piotr Misztal, Małgorzata Kmak, Rafał Rydzewski, Marta Martyniak, Pawel Lont, Kenan Sevinç, Thomas J. Coleman III, Miguel Farias, Maciej Stradomski, Katarzyna Schmidt, Marcin Złoty, Stanisław Ślusarczyk,

Researcher and lecturer at the University of Economics in Katowice, Department of Enterprise Management. Licensed real estate broker. Her research interests focus on the real estate market, especially the housing market, risk and financing of households, innovation, and mortgage lending.


The Role of the Bank in Meeting the Housing Needs of an Average Household – Evaluation of the Situation in 2018

The aim of the article is to determine the profile of an average Polish household and the possibility of satisfying average housing needs thereof as well as to indicate the role played by the bank in their implementation. The characteristics of an average household, the value of income and expenses thereof, the prices of residential properties and the data of the credit market were determined. The research material was obtained from reports and statistical studies, including data from the Statistics Poland, Eurostat, the database of residential property prices of the National Bank of Poland and the average offer prices of the rental market – for 2018, which reflects the current economic situation. The research was of a quantitative nature (statistical measures, housing availability index, credit simulations). The results indicate that as of 2018 an average household cannot afford to buy or rent a flat. The bank’s role in satisfying housing needs is not only important but rather necessary. 


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