Consolidation Loan
1. The loan may be allocated to the payment of the following liabilities:
- cash loan / credit; - car loan / credit;
- credit card limit;
- current account limit;
- mortgage loan*;
- housing loan (provided that the loan has been fully disbursed, the investment has been realized, and the borrower has ownership rights)*;
- student loan; - credit / loan granted by the employer;
- obligations incurred towards our Bank.
2. A prerequisite for granting the loan is the proper servicing of the consolidated obligations.
3. The loan period is
- maximum: 300 months;
- minimum: 12 months.
4. The minimum loan amount is PLN 10,000.
5. The maximum loan amount cannot exceed:
- 60% of the value of the property securing the loan or
- 80% of the value of the property if one of the consolidated loans is a housing loan or - the amount of PLN 920,000.
6. There is a possibility to request additional funds for any purpose.
* with the condition that the variable interest rate loan cannot be used to refinance housing loans with fixed/periodically fixed interest rates
Useful Information
- Information about the risk of rising interest rates and the provisions of the BMR regulation and emergency plan
- Interest Rate Risk
- Regulations for mortgage loans for individual clients agreements concluded from February 13
- Regulations for mortgage loans for individual clients agreements concluded until February 12, 2026 and valid until May 4, 2026.
For variable interest rates:
The Actual Annual Percentage Rate (APR) is: 11.38% for the following assumptions: total loan amount: PLN 279,800.00 (excluding financed costs), loan period: 203 months; own contribution: 58.43% of the property value; variable interest rate of the loan: 10.56% per annum – calculated as the sum of the current reference index: variable WIBOR 3M rate: 4.06% and the Bank's margin of 6.50%. Monthly installment: PLN 2,965.08, total number of installments: 203. Total cost of the loan: PLN 326,526.42, including: total interest over the entire loan period: PLN 322,110.42, commission for granting the loan: 1.50% of the granted loan amount amounting to: PLN 4,197.00. Cost of establishing a mortgage: PLN 200.00, civil law activities tax (PCC 3): PLN 19.00. The Bank does not include the following costs in the total cost of the loan: the cost of insuring the financed property outside the Bank's offer, the cost of real estate valuation, and the cost of life insurance for the Borrower outside the Bank's offer, as it is not a provider of these additional services to the consumer. The total amount to be paid is: PLN 606,326.42. The interest rate on the loan is variable and may increase during the term of the loan agreement due to an increase in the WIBOR 3M reference rate, which will result in an increase in the amount of the loan installment to be repaid.
The calculation was made on March 23, 2026, based on a representative example.
For periodically fixed interest rates:
The Actual Annual Percentage Rate (APR) is: 11.36% for the following assumptions: total loan amount: PLN 279,800.00 (excluding financed costs), loan period: 203 months; own contribution: 58.43% of the property value; periodically fixed interest rate of the loan: 10.53% per annum for the first 60 months - calculated as the sum of the current base rate: 4.03% and the Bank's margin of 6.50%, and then a variable interest rate of 10.56% - calculated as the sum of the current reference index: variable WIBOR 3M rate: 4.06% and the Bank's margin of 6.50%. Monthly installment: PLN 2,959.68, for the first 60 months, and in the following years PLN 2,964.76, total number of installments: 203. Total cost of the loan: PLN 326,156.34, including: total interest over the entire loan period: PLN 321,740.34, commission for granting the loan: 1.50% of the granted loan amount amounting to: PLN 4,197.00. Cost of establishing a mortgage: PLN 200.00, civil law activities tax (PCC 3): PLN 19.00. The Bank does not include the following costs in the total cost of the loan: the cost of insuring the financed property outside the Bank's offer, the cost of real estate valuation, and the cost of life insurance for the Borrower outside the Bank's offer, as it is not a provider of these additional services to the consumer. The total amount to be paid is: PLN 605,956.34. The interest rate on the loan is periodically fixed and may increase during the term of the loan agreement due to an increase in the WIBOR 3M reference rate, which will result in an increase in the amount of the loan installment to be repaid.
The calculation was made on March 23, 2026, based on a representative example.