Ranking of mortgages in Poland — September 2026

✓ Pros

• ✓Flexible loan purpose — purchase, house construction, or refinancing
• ✓Very wide range of accepted income sources
• ✓Financing up to 90% of property value
• ✓Zero commission in the bank's representative example (with additional products)
• ✓Long maximum loan term — up to 35 years

✕ Cons

• ✕APRC in the bank's representative example reaches 7.11% — noticeably more than the nominal interest rate
• ✕Zero commission and the lowest instalment require an account with a package and VeloBezpieczny insurance
• ✕After 5 years of fixed interest, the instalment may rise as WIBOR rises
• ✕No transparent, general data on the commission amount beyond a single example
• ✕The repayment period recommended by the bank itself (25 years) is shorter than the maximum available (35 years)

✓ Pros

• ✓No loan origination commission
• ✓Fixed interest rate for the first 5 years (60 months) — predictable instalment
• ✓Wide range of accepted income sources (business activity, rental, contract, foreign income)
• ✓Flexible loan purpose (purchase, construction, plot, refinancing)
• ✓Choice of equal or decreasing instalments

✕ Cons

• ✕After 60 months the interest rate switches to variable — risk of the instalment rising with WIBOR
• ✕The reduced margin requires an active account for 55 months and life insurance for 36 months
• ✕Mandatory, paid property and life insurance raise the total cost of the loan
• ✕No clearly stated required own contribution / maximum LTV

✓ Pros

• ✓Loan term up to 35 years, no minimum
• ✓Down payment from 10%
• ✓Commission from 0% with life insurance
• ✓Wide range of accepted income sources
• ✓Fixed interest rate for the first 5 years

✕ Cons

• ✕APRC of 7.31% markedly higher than the nominal interest rate
• ✕Variable interest rate (WIBOR 6M) after 5 years
• ✕Low margin requires several additional products
• ✕High total cost in the representative example
• ✕Commission outside the promotion set individually

✓ Pros

• ✓Maximum loan term of up to 30 years
• ✓Wide range of accepted income sources (employment, business activity, contract of mandate, specific-task contract, rental, farming, pension, disability pension, contract)
• ✓Choice of equal or decreasing instalment
• ✓The bank declares no loan origination commission
• ✓Flexible purpose: buying a flat/house, building a house, or buying a plot

✕ Cons

• ✕Variable interest rate — no periodically fixed rate option
• ✕APRC noticeably higher than the nominal interest rate due to numerous additional costs (insurance, card, property inspection)
• ✕Lower margin depends on several additional bank products (credit card, payment card, ROR with min. PLN 3,000 inflow, property insurance)
• ✕High required own contribution in the representative example (approx. 35% of the investment value)
• ✕The currently advertised lower promotional rate is valid only until 31.08.2026