Banks tighten standards as real estate finance enters a new era

05
Jun
2025
News Article conference ESG financing Future of Real Estate Poland report Warsaw

by Property Forum | Report

The Polish real estate finance landscape is undergoing significant transformation, driven by new regulatory frameworks, sustainability requirements, and evolving market dynamics. A recent panel discussion at Property Forum's Future of Real Estate 2025 conference in Warsaw featuring top banking and real estate experts revealed the complex challenges and opportunities facing the sector.


The Capital Requirements Regulation (CRR3) is introducing unprecedented changes to real estate financing. Radosław Trymucha from mBank explained the nuanced approach, noting, "The new regulations split real estate into acquisition, development, construction, and existing premises. Regulators are applying risk weights to individual assets, which makes some market segments more attractive for financing than others."

Banks are adopting increasingly conservative strategies when evaluating potential investments. Elżbieta Chmielowska from BNP Paribas emphasised that location and investor credibility remain paramount. "We are interested in financing assets across all sectors, but we look for two critical elements: an exceptional location and an experienced investor who can effectively manage and maintain the project's long-term value," she stated.

Sustainability is becoming a crucial factor in real estate financing. The upcoming Energy Performance Building Directive is pushing banks to consider energy efficiency more seriously. Justyna Kedzierska-Klukowska from Berlin Hyp AG highlighted the importance of forward-looking investment strategies. "We've been examining energy efficiency and ESG factors for a long time. Our expectation is that if there are efficiency deficits, the building owner should have a clear vision for improvement and value preservation," she explained.

Article continues

To continue reading the article, sign-in. If you don't have an account, register now!




Latest news


New leases

  • Himalaya, the mountain, outdoor, and sports equipment and apparel brand, is set to open its first store outside the capital at RIVUS Cluj-Napoca, the mixed-use project developed by Iulius and Atterbury Europe.
  • Nardo Trading has signed a 3,000 sqm lease with Villar Logistic Parks at km 13, Bucharest. This lease is part of the first 20,000 sqm phase of the park that is already operational. The transaction was brokered by iO Partners.
  • CPIPG has signed a lease agreement with the Polish Personal Data Protection Office (UODO). The Office has now relocated its headquarters to the Moniuszki 1A office building in central Warsaw.

New appointments

  • Former Taylor Wessing Counsel and Head of Real Estate Peter Malovec has joined CTP Slovakia as its new Head of Legal.
  • Matexi Polska is strengthening its management structure. Jesika Mackiewicz has joined the management boards of companies implementing residential projects in Warsaw. This manager, with over 10 years of experience in the real estate industry, will support Matexi Polska's continued growth in the capital market.
  • Elżbieta Majdan is joining the Property & Asset Management team at Savills Poland as an Associate Director. Elżbieta brings 15 years of experience in managing and commercialising retail properties, gained while implementing key projects on the Polish market.


Latest news

News Industrial demand in Greater Budapest rises during Q2 2025
23
Jul
2025

Industrial demand in Greater Budapest rises during Q2 2025

by Forum Property
The industrial market in Greater Budapest saw higher demand during Q2 2025, reaching 201,680 sqm, a 7% year-on-year rise, according to the Budapest Research Forum.
Read more >
News Rustler Romania names new Head of Brokerage & Real Estate Consultancy
23
Jul
2025

Rustler Romania names new Head of Brokerage & Real Estate Consultancy

by Forum Property
Rustler Romania has appointed Cristian Marinoiu as Head of Brokerage & Real Estate Consultancy, in a move that strengthens the services it provides in the Romanian real estate market.
Read more >
News First Radisson Collection hotel opens in Budapest
23
Jul
2025

First Radisson Collection hotel opens in Budapest

by Forum Property
The Radisson Collection luxury brand has made its debut in Hungary with the opening of the Radisson Collection Hotel, Basilica Budapest. 
Read more >


ABOUT US

Property Forum is a leading event hub in the CEE real estate industry with over 10 years of experience. We organise conferences, business breakfasts and workshops focused on real estate, in London, Vienna, Warsaw, Budapest, Bucharest, Bratislava, Prague, Zagreb and Sofia, amongst other locations.
Please send press releases to
newsdesk AT property-forum DOT eu
MORE >

CONTACT

NEWSLETTER

Sign up today for the latest news

I have read the Privacy Policy of International Property Network Inc. and I consent to International Property Network Inc. sending me newsletters and managing my personal data provided for this purpose.

 

Property Forum © 2017 – 2025 | Terms & conditions | Privacy policy