Housing Loan for Uniformed and Medical Services - Bank Spółdzielczy w Szczytnie

Make your dream of owning an apartment come true.

Special housing 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 housing loan offer for soldiers, policemen, firefighters, as well as employees of other uniformed and medical services and civilians working in 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 housing loan in another bank

Why is it worth it?

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

Trust an institution that values your service.

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

Contact us for more information.

*margin rate 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 period from November 3, 2025, to March 31, 2026 under the terms specified in the promotion regulations for the housing loan "My Home" titled "Housing Loan for Uniformed and Medical Services".

For variable interest rates: The Annual Percentage Rate (APR) is: 6.40% based on the following assumptions: total loan amount: 316,000.00 PLN (excluding financed costs), loan period: 242 months; own contribution: 20% of the property's value; loan interest rate 5.74% per year for the first 24 months and 6.25% per year in subsequent years - calculated as the sum of the current reference rate (variable WIBOR 3M 4.75%) and the Bank's margin of 0.99% for the first 24 months and 1.50% in subsequent years. The equal monthly installment for the first 24 months is 2,207.00 PLN, and from the 25th month, subsequent installments will be 2,292.75 PLN, total number of installments: 242. Total cost of the loan 237,007.55 PLN, including: total interest over the entire loan period: 236,788.55 PLN, commission for granting the loan: 0% of the granted loan amount totaling: 0 PLN, cost of establishing a mortgage: 200.00 PLN, Civil Law Transactions Tax (PCC-1): 19.00 PLN. The total cost of the loan does not include the following costs: cost of insuring the financed property and cost of property valuation, since it is not a provider of this additional service for the consumer. Total amount to be paid: 553,007.55 PLN. The interest rate on the loan is variable and may increase during the loan agreement due to an increase in the WIBOR 3M reference rate, which will increase the amount of the loan installment to be repaid. The calculation was made on October 31, 2025, based on a representative example.

For periodically-fixed interest rates: The Annual Percentage Rate (APR) is: 6.38% based on the following assumptions: total loan amount: 316,000.00 PLN (excluding financed costs), loan period: 242 months; own contribution: 20% of the property's value; periodically fixed interest rate of the loan 5.65% per year for the first 60 months and variable interest rate of 6.25% per year in subsequent years - calculated as the sum of the current reference rate (variable WIBOR 3M 4.75%) and the Bank's margin of 1.50%. The equal monthly installment for the first 60 months is 2,190.77 PLN, from the 61st month, subsequent installments will be 2,277.49 PLN. Total cost of the loan 230,168.55 PLN, including: total interest over the entire loan period: 229,949.55 PLN, commission for granting the loan: 0% of the granted loan amount totaling: 0 PLN, cost of establishing a mortgage: 200.00 PLN, Civil Law Transactions Tax (PCC-1): 19.00 PLN. The total cost of the loan does not include the following costs: cost of insuring the financed property and cost of property valuation, since it is not a provider of this additional service for the consumer. Total amount to be paid: 546,168.55 PLN. The interest rate on the loan is fixed for the first 60 months and then variable. During the period of variable rate, the interest rate may increase due to the increase in the WIBOR 3M reference rate, which will increase the amount of the loan installment to be repaid. The calculation was made on October 31, 2025, based on a representative example.