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.

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Latest news


New leases

  • The Embassy of the Republic of the Philippines has moved to Bucharest-based SkyTower, operating out of a 580 sqm space under a 5-year lease agreement. The building also hosts the Embassy of the Republic of Korea in Romania.
  • De Heus, a producer of animal feed, which has built a strong presence in the Polish market, has leased 7,050 sqm of warehouse and office space at GLP Łódź III Logistics Centre. This is the first Class A warehouse of De Heus in Poland. The tenant was advised by specialists from Newmark Polska during the search for the right space and throughout the lease negotiations.
  • Endava has leased an additional 2,400 sqm in the UBC 1 building, part of the Palas Iași mixed-use complex owned by Iulius. This expansion brings its total office area to 5,500 sqm.

New appointments

  • MLP Group strengthened its management structures. Maciej Müldner, a manager with over 30 years of experience in finance at international corporations and banks, joins the Management Board. He will be responsible for further strengthening the Group’s financial position.
  • Indotek Group has welcomed Viktor Nagy, who joined us in September as Head of Non-Retail Sales. With more than 20 years of experience in the real estate sector, Viktor has held leadership positions at international companies such as Immofinanz, EHL Real Estate Hungary and Atlas Estates. In his new role, he will be responsible for further developing our non-retail sales strategy and strengthening international relations.
  • Paweł Reszczyński has been promoted to Land Development Director and will be responsible for coordinating land acquisition and investment processes for new logistics and industrial projects. Developing the land bank remains a key pillar of MLP Group's long-term expansion strategy.


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