Consolidation Loan
1. The loan can be intended for the repayment of the following obligations:
- cash loan; - car loan;
- credit card limit;
- savings and settlement account limit;
- mortgage loan*;
- housing loan (provided that the loan has been fully disbursed, the investment completed, and the borrower has ownership rights)*;
- student loan; - loan granted by the employer;
- obligations incurred towards our Bank.
2. A condition for granting the loan is proper handling of consolidated obligations.
3. The loan period is
- maximum: 300 months;
- minimum: 12 months.
4. The minimum loan amount is 10,000 PLN.
5. The maximum loan amount cannot exceed:
- 60% of the value of the property securing the loan or
- 80% of the property value if one of the consolidated loans is a housing loan or - the amount of 920,000 PLN.
6. There is a possibility to apply for additional funds for any purpose.
* subject to the condition that a loan with a variable interest rate cannot be used to refinance housing loans with a fixed/periodically fixed interest rate.
Useful Information
- Information on the risk of rising interest rates and the provisions of the BMR regulation and contingency plan
- Interest Rate Risk
- Regulations for mortgage loans for individual customers contracts concluded from February 13
- Regulations for mortgage loans for individual customers contracts concluded until February 12, 2026 and valid until May 4, 2026.
APR – variable interest:
The Actual Annual Percentage Rate (APR) is: 13.32 % for the following assumptions: total loan amount: 242 500 PLN, loan period: 276 months; own contribution: 60% of the property value; variable interest rate on the loan: 12.35 % per annum – calculated as the sum of the current base interest rate (variable WIBOR 3M: 5.85 %) and an individually agreed margin of 6.50%, equal monthly installment: 2652.92 PLN, total number of installments: 276. Total loan cost 493 561.17 PLN, including: the sum of interest over the entire loan period: 489 704.67 PLN, non-loan commission for granting the loan: 1.50 % of the loan amount which is: 3637.50 PLN. Cost of establishing a mortgage: 200.00 PLN, tax on civil law transactions (PCC): 19.00 PLN. The total cost of the loan does not include the following costs: the cost of insuring the financed property and the cost of property valuation, as the Bank is not a provider of these additional services to the consumer. The total amount to be paid is: 736 061.17 PLN. The loan interest rate is variable and may change during the term of the loan agreement due to changes in the WIBOR 3M reference rate, which may lead to an increase or decrease in loan servicing costs. Variable interest carries the risk of increasing installment amounts, and thus the total amount to be paid.
The calculation was made on March 21, 2025, based on a representative example.
APR – periodically fixed interest:
The Actual Annual Percentage Rate (APR) is: 13.55 % for the following assumptions: total loan amount: 242 500 PLN, loan period: 276 months; own contribution: 60 % of the property value; periodically fixed interest on the loan for the first 60 months: 12.55 % per annum, and then variable interest 12.35 % per annum – calculated as the sum of the current base interest rate (variable WIBOR 3M: 5.85 %) and an individually agreed margin of: 6.50 %, equal monthly installment: 2688.34 PLN for 60 months, 2656.89 PLN for the next 216 months, total number of installments: 276. Total loan cost 496 544.99 PLN, including: the sum of interest over the entire loan period: 492 688.49 PLN, non-loan commission for granting the loan: 1.50 % of the loan amount which is: 3637.50 PLN. Cost of establishing a mortgage: 200.00 PLN, tax on civil law transactions (PCC): 19.00 PLN. The total cost of the loan does not include the following costs: the cost of insuring the financed property and the cost of property valuation, as the Bank is not a provider of these additional services to the consumer. The total amount to be paid is: 739 044.99 PLN. The loan interest rate is fixed during the first 60 months and then variable. During the term of the variable interest formula, the loan agreement’s interest rate may change due to changes in the WIBOR 3M reference rate, which may lead to an increase or decrease in loan servicing costs. Variable interest carries the risk of increasing installment amounts, and thus the total amount to be paid.
The calculation was made on March 21, 2025, based on a representative example.