Mortgage Loan
for uniformed and medical services
Fulfill your dream of owning an apartment.
Special mortgage loan offer for uniformed and medical services!
You serve others every day – now we want to take care of you and your future.
We have prepared a unique mortgage loan offer for soldiers, police officers, firefighters, and employees of other uniformed and medical services as well as civilian employees of these formations.
Thanks to preferential terms, you can fulfill your dreams of your own house or apartment faster.
What can you use the loan for?
- purchase of a building plot
- construction of a house
- renovation or modernization of property
- repayment of a mortgage in another bank
Why is it worth it?
- preferential interest rate
- lower installments compared to the standard offer
- low margin – starting from 0.99%*
- option to choose between variable or periodically fixed interest rates
- long loan term – up to 30 years
- individual support from an advisor – from the first contact until signing the contract
Trust the institution that appreciates your service.
We know how much you sacrifice to take care of the safety and health of others. Let us help you take care of what is most important to you – your home and the peace of your family.
Contact us for more information.
*the margin for the first 24/60 months, depending on the chosen interest rate formula, and 1.50% in the following years
The loan is granted during the promotion lasting from 01.04.2026 to 30.06.2026 under the terms specified in the regulations of the “My Home” mortgage loan promotion named “Mortgage Loan for Uniformed and Medical Services”.
Useful Information
- Regulations of the mortgage loan promotion for uniformed and medical services
- Regulations for mortgage loans for individual clients
- Information about the risk of rising interest rates and about the provisions of the BMR regulation and emergency plan
- Interest rate risk
- Refund of commission for early repayment of the mortgage loan
For variable interest:
The Actual Annual Percentage Rate (APR) is 6.15% for the following assumptions: total loan amount: 312,200.00 PLN (excluding financed costs), loan period: 247 months; own contribution: 20.00% of the property value; variable interest of the loan: 5.05% per annum for the first 24 months - calculated as the sum of the current WIBOR 3M reference rate: 4.06% and the Bank's margin of 0.99%, and then variable interest of 5.56% - calculated as the sum of the current reference rate: variable WIBOR 3M rate: 4.06% and the Bank's margin of 1.50%.
Monthly installment: 2,036.05 PLN for the first 24 months, and in subsequent years 2,119.33 PLN, total number of installments: 247. Total cost of the loan: 222,818.08 PLN, including: total interest over the entire loan period: 209,273.91 PLN, commission for granting the loan: 0.00% of the granted loan amount of: 0.00 PLN. Total annual fees for having a credit card over the entire loan period is
1,057.50 PLN. Total monthly fees for maintaining the account over the entire loan period is
1,976.00 PLN. Total monthly fees for servicing the card for the account is 1,235.00 PLN. Annual rate for insurance of the financed property against fire and natural events in the Bank's offer
440.00 PLN (9,056.67 PLN for the entire loan period). Cost of establishing a mortgage: 200.00 PLN, tax on civil law transactions (PCC 3): 19.00 PLN. In the total loan cost the Bank does not include the following costs: cost of property valuation as it is not a supplier of this additional service for the consumer and the cost of life insurance of the Borrower outside of the Bank's offer. The total amount to be paid is: 535,018.08 PLN. Loan interest is variable and during the term of the loan agreement may increase due to the rise in the WIBOR 3M reference rate, which will increase the amount of the loan installment being paid.
The calculation was made on 26.03.2026 based on a representative example.
For periodically fixed interest:
The Actual Annual Percentage Rate (APR) is 5.99% for the following assumptions: total loan amount: 312,200.00 PLN (excluding financed costs), loan period: 247 months; own contribution: 20.00% of the property value; periodically fixed interest of the loan: 5.03% per annum for the first 60 months - calculated as the sum of the current base rate: 4.04% and the Bank's margin
0.99%, and then variable interest of 5.56% - calculated as the sum of the current reference rate: variable WIBOR 3M rate: 4.06% and the Bank's margin of 1.50%.
Monthly installment: 2,032.57 PLN for the first 60 months, and in subsequent years 2,106.64 PLN, total number of installments: 247. Total cost of the loan: 217,241.00 PLN, including: total interest over the entire loan period: 203,696.83 PLN, commission for granting the loan: 0.00% of the granted loan amount of: 0.00 PLN. Total annual fees for having a credit card over the entire loan period is
1,057.50 PLN. Total monthly fees for maintaining the account over the entire loan period is
1,976.00 PLN. Total monthly fees for servicing the card for the account is 1,235.00 PLN. Annual rate for insurance of the financed property against fire and natural events in the Bank's offer
440.00 PLN (9,056.67 PLN for the entire loan period). Cost of establishing a mortgage: 200.00 PLN, tax on civil law transactions (PCC 3): 19.00 PLN. In the total loan cost the Bank does not include the following costs: cost of property valuation as it is not a supplier of this additional service for the consumer and the cost of life insurance of the Borrower outside of the Bank's offer. The total amount to be paid is: 529,441.00 PLN. Loan interest is periodically fixed and during the term of the loan agreement may increase due to the rise in the WIBOR 3M reference rate, which will increase the amount of the loan installment being paid.
The calculation was made on 26.03.2026 based on a representative example.