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

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Mortgage loan

for uniformed and medical services

Fulfill your dream of owning your own 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 an exceptional 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 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 real estate
  • repayment of a mortgage in another bank

Why is it worth it?

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

Trust an 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.

*margin amount for 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 November 3, 2025, to March 31, 2026. on terms specified in the regulations of the mortgage loan promotion "My Home" under the name "Mortgage Loan for Uniformed and Medical Services.".

For variable interest rate: The Actual Annual Percentage Rate (APR) is: 6.15% for the following assumptions: total loan amount: 312,200.00 PLN (without financed costs), loan period: 247 months; own contribution: 20.00% of property value; variable interest rate of the loan: 5.05% per year for the first 24 months - calculated as the sum of the current reference WIBOR 3M rate: 4.06% and the Bank's margin 0.99%, and then a variable interest rate of 5.56% - calculated as the sum of the current reference 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: 0.00 PLN. Total annual fees for holding a credit card over the entire loan period amount to 1,057.50 PLN. Total monthly fees for maintaining an account throughout the loan period amount to 1,976.00 PLN. Total monthly fees for servicing the account card amount to 1,235.00 PLN. Annual rate for insuring the financed property against fire and random events in TU as part of the Bank's offer 440.00 PLN (9,056.67 PLN for the entire loan period). The cost of establishing a mortgage: 200.00 PLN, tax on civil law activities (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 provider of this additional service for consumers 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 of the loan is variable and during the term of the loan agreement may increase due to an increase in the WIBOR 3M reference rate, which will cause an increase in the amount of the loan installment.

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

For the periodically fixed interest rate: The Actual Annual Percentage Rate (APR) is: 5.99% for the following assumptions: total loan amount: 312,200.00 PLN (without financed costs), loan period: 247 months; own contribution: 20.00% of property value; periodically fixed loan interest rate: 5.03% per year 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 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. 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: 0.00 PLN. Total annual fees for holding a credit card over the entire loan period amount to 1,057.50 PLN. Total monthly fees for maintaining an account throughout the loan period amount to 1,976.00 PLN. Total monthly fees for servicing the account card amount to 1,235.00 PLN. Annual rate for insuring the financed property against fire and random events in TU as part of the Bank's offer 440.00 PLN (9,056.67 PLN for the entire loan period). The cost of establishing a mortgage: 200.00 PLN, tax on civil law activities (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 provider of this additional service for consumers 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 of the loan is periodically fixed and during the term of the loan agreement may increase due to an increase in the WIBOR 3M reference rate, which will cause an increase in the amount of the loan installment. The calculation was made on March 26, 2026, on a representative example.