Home Loan "My Home"
In the promotion of the Home Finance Package – Your chance for a dream home!
We offer flexible and favorable financing terms with exceptional interest rates. Ask for details at the nearest Cooperative Bank branch in Szczytno and start realizing your real estate plans!
What can you use the loan for?
- Purchase of a plot or apartment
- Construction of a house
- Renovation and modernization of an apartment or house
- Repayment of a mortgage from another bank
Why is it worth it?
- Attractive interest rate: variable or periodically fixed
- Commission from 0%
- Margin from 0.99%
- Long repayment period – up to 30 years
- Advisor support at every stage of the process
At the Cooperative Bank in Szczytno, we adapt to your needs, ensuring support at every step. Realize your dreams of your own home – with the "My Home" loan, it's possible!
The loan is granted during the promotion lasting from June 1, 2025, to September 30, 2025 under the terms specified in the terms of the "My Home" housing loan promotion under the name "Home Finance Package".
Useful information
- Terms of the "My Home" housing loan promotion under the name "Home Finance Package"
- Terms of mortgage loans for individual clients
- Information on the risk of rising interest rates and on the provisions of the BMR regulation and the emergency plan
- Interest rate risk
- Refund of commission for early repayment of a mortgage loan
For periodically fixed interest:
The Actual Annual Percentage Rate (APR) is: 8.08% under the following assumptions: total loan amount: 320,000.00 PLN, loan term: 245 months; own contribution: 20% of the property value; periodically fixed interest rate of the loan 6.63% per year for the first 60 months and variable interest rate 7.84% per year in subsequent years – calculated as the sum of the current interest rate of the loan (variable rate: WIBOR 3M: 5.85%) and the Bank's margin of 0.99% for the first 60 months and 1.99% in subsequent years. Equal monthly installment for the first 60 months is 2386.82 PLN, from the 61st month subsequent installments will amount to 2576.26 PLN. Total cost of the loan 301,701.05 PLN, including: total interest over the entire loan period: 299,818.05 PLN, non-credit commission for granting the loan: 0.52% of the loan amount amounting to: 1664.00 PLN, cost of establishing a mortgage: 200.00 PLN, civil law activities tax (PCC-1): 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 it is not a provider of this additional service for the consumer. The total amount to be paid is: 621,701.05 PLN. The loan interest is fixed for the first 60 months, and then variable. During the period of the variable rate, the interest rate may increase due to the increase of the WIBOR 3M reference rate, which will cause an increase in the amount of the loan installment to be repaid. The Bank's granting of the loan is conditional on a positive assessment of creditworthiness. This material does not constitute an offer and is for informational purposes only.
The calculation was made on May 30, 2025, on a representative example.
For variable interest:
The Actual Annual Percentage Rate (APR) is: 8.10% under the following assumptions: total loan amount: 320,000.00 PLN, loan term: 245 months; own contribution: 20% of the property value; loan interest of 6.84% per year for the first 24 months and 7.84% per year in subsequent years – calculated as the sum of the current interest rate of the loan (variable rate: WIBOR 3M: 5.85%) and the Bank's margin of 0.99% for the first 24 months and 1.99% in subsequent years. Equal monthly installment for the first 24 months is 2426.97 PLN, from the 25th month subsequent installments will amount to 2608.10 PLN. Total cost of the loan 316,520.63 PLN, including: total interest over the entire loan period: 314,637.63 PLN, non-credit commission for granting the loan: 0.52% of the loan amount amounting to: 1664.00 PLN, cost of establishing a mortgage: 200.00 PLN, civil law activities tax (PCC-1): 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 it is not a provider of this additional service for the consumer. The total amount to be paid is: 636,520.63 PLN. The loan interest is variable and may increase during the loan agreement due to the increase in the WIBOR 3M reference rate, which will lead to an increase in the amount of the loan installment to be repaid. The Bank's granting of the loan is conditional on a positive assessment of creditworthiness. This material does not constitute an offer and is for informational purposes only.
The calculation was made on May 30, 2025, on a representative example.