{"data":{"asOf":"2026-06-30","edition":"2026-Q3","stateQuarter":"2026-Q2","periodEnd":"2026-06-30","unit":"net balance, % of banks","metrics":[{"id":"housing_criteria","label":"Kryteria kredytów mieszkaniowych","horizon":"S","quarter":"2026-Q2","value":4.4,"previous":25.2,"yearAgo":21.4},{"id":"consumer_criteria","label":"Kryteria kredytów konsumpcyjnych","horizon":"S","quarter":"2026-Q2","value":1.8,"previous":32.7,"yearAgo":36.3},{"id":"housing_demand","label":"Popyt na kredyty mieszkaniowe","horizon":"S","quarter":"2026-Q2","value":52.8,"previous":69.2,"yearAgo":73.6},{"id":"consumer_demand","label":"Popyt na kredyty konsumpcyjne","horizon":"S","quarter":"2026-Q2","value":48.3,"previous":43.7,"yearAgo":33.5},{"id":"housing_criteria_next","label":"Oczekiwana polityka kredytowa - kredyty mieszkaniowe","horizon":"P","quarter":"2026-Q3","value":null,"previous":13,"yearAgo":7.3},{"id":"consumer_criteria_next","label":"Oczekiwana polityka kredytowa - kredyty konsumpcyjne","horizon":"P","quarter":"2026-Q3","value":null,"previous":23.1,"yearAgo":17.2},{"id":"housing_demand_next","label":"Oczekiwany popyt na kredyty mieszkaniowe","horizon":"P","quarter":"2026-Q3","value":null,"previous":44.4,"yearAgo":9.1},{"id":"consumer_demand_next","label":"Oczekiwany popyt na kredyty konsumpcyjne","horizon":"P","quarter":"2026-Q3","value":null,"previous":23.6,"yearAgo":33.1}],"housingTerms":[{"label":"Marża kredytowa","value":20.9},{"label":"Marża kredytowa dla kredytów obarczonych większym ryzykiem","value":8.1},{"label":"Pozaodsetkowe koszty kredytu","value":0},{"label":"Wymagane zabezpieczenia","value":8.4},{"label":"Wymagany udział własny kredytobiorcy w inwestycji","value":8.1},{"label":"Maksymalny okres kredytowania","value":0},{"label":"Inne warunki","value":-4}],"housingPolicyDrivers":[{"label":"Bieżąca i przewidywana sytuacja kapitałowa banku","value":8.1},{"label":"Decyzje NBP w zakresie polityki pieniężnej","value":0},{"label":"Ryzyko związane z przewidywaną sytuacją gospodarczą","value":-12.3},{"label":"Prognoza sytuacji na rynku mieszkaniowym","value":0.3},{"label":"Zmiana udziału kredytów zagrożonych w portfelu kredytów mieszkaniowych","value":0},{"label":"Zmiana presji konkurencyjnej","value":27.9},{"label":"Zmiana popytu na kredyty mieszkaniowe","value":13.4},{"label":"Inne przyczyny","value":-4}],"housingDemandDrivers":[{"label":"Prognozy odnośnie sytuacji na rynku mieszkaniowym","value":38.7},{"label":"Zmiany w wydatkach konsumpcyjnych","value":0},{"label":"Wykorzystanie alternatywnych źródeł finansowania","value":18.8},{"label":"Zmiana sytuacji ekonomicznej gospodarstw domowych","value":4},{"label":"Zmiana warunków udzielania kredytów mieszkaniowych","value":19.4},{"label":"Zmiana kryteriów udzielania kredytów mieszkaniowych","value":14.8},{"label":"Inne czynniki","value":2.8}],"history":[{"edition":"2023-Q4","stateQuarter":"2023-Q3","housingCriteria":-28.3,"housingDemand":40.1,"consumerCriteria":-58,"consumerDemand":-10.7},{"edition":"2024-Q1","stateQuarter":"2023-Q4","housingCriteria":4.9,"housingDemand":58,"consumerCriteria":-47.3,"consumerDemand":25.5},{"edition":"2024-Q2","stateQuarter":"2024-Q1","housingCriteria":-6,"housingDemand":-68.2,"consumerCriteria":-13.5,"consumerDemand":30.7},{"edition":"2024-Q3","stateQuarter":"2024-Q2","housingCriteria":-20.3,"housingDemand":-53.2,"consumerCriteria":4.1,"consumerDemand":43},{"edition":"2024-Q4","stateQuarter":"2024-Q3","housingCriteria":13,"housingDemand":-24.5,"consumerCriteria":19.2,"consumerDemand":9.1},{"edition":"2025-Q1","stateQuarter":"2024-Q4","housingCriteria":-6.6,"housingDemand":10.7,"consumerCriteria":32.4,"consumerDemand":8},{"edition":"2025-Q2","stateQuarter":"2025-Q1","housingCriteria":3.5,"housingDemand":-14.3,"consumerCriteria":9.5,"consumerDemand":24.2},{"edition":"2025-Q3","stateQuarter":"2025-Q2","housingCriteria":21.4,"housingDemand":73.6,"consumerCriteria":36.3,"consumerDemand":33.5},{"edition":"2025-Q4","stateQuarter":"2025-Q3","housingCriteria":5.5,"housingDemand":71.1,"consumerCriteria":18.2,"consumerDemand":26.4},{"edition":"2026-Q1","stateQuarter":"2025-Q4","housingCriteria":19.4,"housingDemand":-8.6,"consumerCriteria":2.2,"consumerDemand":48.4},{"edition":"2026-Q2","stateQuarter":"2026-Q1","housingCriteria":25.2,"housingDemand":69.2,"consumerCriteria":32.7,"consumerDemand":43.7},{"edition":"2026-Q3","stateQuarter":"2026-Q2","housingCriteria":4.4,"housingDemand":52.8,"consumerCriteria":1.8,"consumerDemand":48.3}]},"meta":{"datasetId":"credit-survey","source":"NBP","sourceUrl":"https://nbp.pl/system-finansowy/rynek-kredytowy/","license":"Public NBP data - attribution required.","asOf":"2026-06-30","fetchedAt":"2026-10-29T19:11:25.735Z","citation":"Source: finwire.pl (NBP), https://public-api.finwire.pl/datasets/credit-survey","docsUrl":"https://public-api.finwire.pl/datasets/credit-survey"}}