Home loan for uniformed and medical services - Bank Spółdzielczy w Szczytnie

Home loan

for uniformed and medical services

Fulfill your dream of owning your own apartment.

A special home 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 home loan offer for soldiers, police officers, firefighters, as well as employees of other uniformed and medical services and civilian employees of these formations.

Thanks to preferential terms, you can realize 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 home loan with another bank

Why is it worth it?

  • preferential interest rates
  • lower installments compared to the standard offer
  • low margin – starting from 0.99%*
  • the possibility to choose between variable or temporarily fixed interest rates
  • long loan term – up to 30 years
  • individual support from an advisor – from the first contact until signing the agreement

Trust an institution that appreciates your service.

We know how much you sacrifice to care for the safety and health of others. Let us help you take care of what is most important to you – your home and your family's peace.

Contact us for more information.

*the margin amount during the first 24/60 months, depending on the choice of interest rate formula and 1.50% in subsequent years 

The loan is granted during the promotion lasting from April 1, 2026, to June 30, 2026.  on the terms specified in the promotion regulations for the home loan "My Home" under the name "Home loan for uniformed and medical services."

For variable interest rate:
The Actual Annual Interest Rate (APR) is: 6.15% for the following assumptions: total loan amount: 312,200.00 PLN (without financed costs), loan term: 247 months; own contribution: 20.00% of property value; variable loan interest rate: 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 a variable interest rate of 5.56% - calculated as the sum of the current reference WIBOR 3M variable 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. The total cost of the loan: 222,818.08 PLN, including: the sum of interest over the entire loan period: 209,273.91 PLN, commission for granting the loan: 0.00% of the granted loan amount: 0.00 PLN. The total annual fees for having a credit card over the entire loan period amount to 1,057.50 PLN. The total monthly fees for maintaining the account during the entire loan period amount to 1,976.00 PLN. The total monthly fees for servicing the account card amount to 1,235.00 PLN. Annual rate for insurance of the financed property against fire and random 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 cost of the loan, the Bank does not include the following costs: the cost of property valuation as it is not a supplier of this additional service to the consumer and the cost of life insurance for the Borrower outside the Bank’s offer. The total amount to be paid is: 535,018.08 PLN. The interest rate on the loan is variable and may increase during the term of the loan agreement due to the rise in the WIBOR 3M reference rate, which will increase the amount of the loan installment paid.

The calculation was made on March 26, 2026, based on a representative example.

For temporarily fixed interest rate:
The Actual Annual Interest Rate (APR) is: 5.99% for the following assumptions: total loan amount: 312,200.00 PLN (without financed costs), loan term: 247 months; own contribution: 20.00% of property value; temporarily fixed loan interest rate: 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 of 0.99%, and then a variable interest rate of 5.56% - calculated as the sum of the current reference WIBOR 3M variable 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. The total cost of the loan: 217,241.00 PLN, including: the sum of interest over the entire loan period: 203,696.83 PLN, commission for granting the loan: 0.00% of the granted loan amount: 0.00 PLN. The total annual fees for having a credit card over the entire loan period amount to 1,057.50 PLN. The total monthly fees for maintaining the account during the entire loan period amount to 1,976.00 PLN. The total monthly fees for servicing the account card amount to 1,235.00 PLN. Annual rate for insurance of the financed property against fire and random 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 cost of the loan, the Bank does not include the following costs: the cost of property valuation as it is not a supplier of this additional service to the consumer and the cost of life insurance for the Borrower outside the Bank’s offer. The total amount to be paid is: 529,441.00 PLN. The interest rate on the loan is temporarily fixed and may increase during the term of the loan agreement due to the rise in the WIBOR 3M reference rate, which will increase the amount of the loan installment paid.

The calculation was made on March 26, 2026, based on a representative example.