Since October 2021, during ten monthly meetings, the Monetary Policy Council has raised the benchmark interest rate by 640 basis points.
Interest rates have been increased since October 2021 as follows (by dates of the Monetary Policy Council meetings):
on 6 October 2021 the reference rate was increased to 0.50%
on 3 November 2021 the reference rate was increased to 1.25%
on 8 December 2021 the reference rate was increased to 1.75%
on 4 January 2022 the reference rate was increased to 2.25%
on 8 February 2022 the reference rate was increased to 2.75%
on 8 March 2022 the reference rate was increased to 3.5%
on 6 April 2022 the reference rate was increased to 4.5%
on 5 May 2022 the reference rate was increased to 5.25%
on 8 June 2022 the reference rate was increased to 6.00%
on 7 July 2022 the reference rate was increased to 6.50%
In July 2022, according to the Statistics Poland flash estimate, CPI inflation reached 15.5% YOY. In accordance with the July 2022 report published by the National Bank of Poland, the main contributor to the increase in inflation was the growth in the prices of energy, including fuel and energy carriers, as well as:
A natural consequence of increasing interest rates is growing WIBOR, and hence – loan installments. When drawing liabilities with a bank, many entrepreneurs are not aware of the opportunities that are offered by sale and leaseback transactions, which may turn out to be a cheaper and faster alternative to obtaining financing than loans. As a result of signing this type of contract, the property owner sells it to the investor, and continues to operate in the same scope and in the same location. Sale and leaseback is a solution providing many companies with significant resources for development, which can be allocated for any purpose, and the funding amount reaches the market value of the property, which is a significant advantage over bank financing that requires own contribution.
Advantages of sale and leaseback:
INWI is actively seeking real properties owned by companies with annual turnover above 100 million PLN. Feel free to contact us: mariusz.stepien@inwi.pl / tel. +48 789 046 179