Offer ranking — May 2026
#1 Best offer
VeloBank
Lowest Cost
Kredyt hipoteczny VeloDom
- Oprocentowanie: 5.66%
- RRSO: 5.81%
- Marża: 1.85%
5.63%
interest rate
#2 place
Bank Pekao
Top 3
Kredyt hipoteczny
- Oprocentowanie: 5.70%
- RRSO: 6.05%
- Marża: 1.89%
5.68%
interest rate
#3 place
PKO Bank Polski
Top 3
Kredyt mieszkaniowy Własny kąt
- Oprocentowanie: 5.81%
- RRSO: 6.24%
- Marża: 1.87%
- Oprocentowanie stałe
5.77%
interest rate
Bank Millennium
Best Rate
Kredyt mieszkaniowy z okresowo stałym oprocentowaniem
- Oprocentowanie: 5.84%
- RRSO: 6.17%
- Marża: 1.90%
- Oprocentowanie stałe
5.90%
interest rate
How is this ranking created?
We checked 4 mortgages offers in Poland for you in May 2026. The ranking is based on interest rate (50%), editorial ratings (30%) and user popularity (20%).
A mortgage is a long-term loan secured against property. Key factors are: bank margin, benchmark rate, required down payment and loan term. A 0.5% difference in rate over 30 years can mean tens of thousands in total cost.
FAQ
In May 2026 VeloBank led the ranking with a rate of 5.63%. Remember to add the bank margin and the current benchmark rate to get the full picture.
In May 2026 mortgage rates ranged from 5.63% to 5.9%. The final rate also depends on your down payment, loan term and creditworthiness.
Most banks require at least 20% down. A 10% down payment is possible with low-equity insurance, which raises costs. A higher down payment usually means a lower bank margin.
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