Mortgage Loan "My Home"
Fulfill your dream of your own home with the "My Home" mortgage loan in the "Home Finance Package" promotion.
Only from 18.02.2026 to 30.04.2026 we have prepared an exceptional promotion for the mortgage loan.
This is the perfect time to buy, build, or transfer your loan to us on attractive terms.
What do you gain?
- Margin from 0.99 p.p. (for variable interest rate - for the first 24 months)
- Fixed interest rate for even 5 years – safety and predictability of payments
- Commission from 0% – set individually
- Possibility to refinance a loan from another bank
Clear rules = real benefits
All you have to do is:
✔ submit an application for the "My Home" mortgage loan in the "Home Finance Package" promotion
to 30.04.2026;
✔ open and maintain a personal account in our bank;
✔ ensure salary payment to that account;
✔ use property insurance offered through us;
✔ sign a credit card agreement and maintain it during the loan period.
By doing this, you will receive preferential pricing conditions throughout the loan term.
Don't postpone your decision.
Your home is closer than you think.
Useful information
- Regulations of the "My Home" mortgage loan promotion under the name "Home Finance Package"
- Regulations for mortgage loans for individual clients effective from February 13, 2026.
- Regulations for mortgage loans for individual clients - applies to contracts concluded until February 12, 2026 and is valid until May 4, 2026.
- Information about the risk of interest rate increase and about regulations of the BMR and contingency plan
- Interest rate risk
- Return of commission for early repayment of the mortgage loan
For variable interest rates:
The Annual Percentage Rate (APR) is: 6.26% for the following assumptions: total loan amount: 309,900.00 PLN (excluding financed costs), loan period: 245 months; own contribution: 22.53% of the property value; loan interest rate: 5.05% per annum for the first 24 months and from the 25th month – 6.05%, calculated as the sum of the current reference rate: variable WIBOR 3M: 4.06% and the Bank's margin of 0.99% for the first 24 months and 1.99% in subsequent years. Monthly payment: 2,030.54 PLN for the first 24 months, and in subsequent years 2,192.70 PLN, total number of payments: 245. Total loan cost: 230,090.91 PLN, including: total interest over the entire loan period: 223,418.81 PLN, commission for granting the loan: 0.40% of the granted loan amount: 1,239.60 PLN. The total annual fees for having a credit card throughout the loan period amount to 1,048.50 PLN. The total monthly fees for maintaining the account throughout the loan period amount to 2,450.00 PLN. The total monthly fees for servicing the card for the EKO account amount to 1,715.00 PLN. The cost of establishing a mortgage: 200.00 PLN, civil law activities tax (PCC 3): 19.00 PLN. The Bank does not include in the total loan cost the following costs: cost of insuring the financed property outside the Bank’s offer, cost of property appraisal, and the cost of life insurance for the Borrower outside the Bank's offer, as it is not a provider of these additional services for the consumer. The total amount to be paid is: 539,990.91 PLN. The interest rate is variable and may increase during the term of the loan agreement due to an increase in the WIBOR 3M reference rate, which will result in an increase in the amount of the credit repayment.
The calculation was made on February 10, 2026, based on a representative example.
For periodic fixed interest rates:
The Annual Percentage Rate (APR) is: 6.32% for the following assumptions: total loan amount: 309,900.00 PLN (excluding financed costs), loan period: 245 months; own contribution: 22.53% of the property value; loan interest rate: 5.71% for the first 60 months (calculated as the sum of the current base rate: 4.10% and the Bank's margin of 1.6%) and 6.05% from the 61st month (calculated as the sum of the current reference rate: variable WIBOR 3M: 4.06% and the Bank's margin of 1.99%). Monthly payment: 2,146.19 PLN for the first 60 months, and in subsequent years 2,195.08 PLN, total number of payments: 245. Total loan cost: 231,633.79 PLN, including: total interest over the entire loan period: 224,961.69 PLN, commission for granting the loan: 0.40% of the granted loan amount: 1,239.60 PLN. The total annual fees for having a credit card throughout the loan period amount to 1,048.50 PLN. The total monthly fees for maintaining the account throughout the loan period amount to 2,450.00 PLN. The total monthly fees for servicing the card for the EKO account amount to 1,715.00 PLN. The cost of establishing a mortgage: 200.00 PLN, civil law activities tax (PCC 3): 19.00 PLN. The Bank does not include in the total loan cost the following costs: cost of insuring the financed property outside the Bank’s offer, cost of property appraisal, and the cost of life insurance for the Borrower outside the Bank's offer, as it is not a provider of these additional services for the consumer. The total amount to be paid is: 541,533.79 PLN. The interest rate is periodically fixed and may increase during the term of the loan agreement due to an increase in the WIBOR 3M reference rate, which will result in an increase in the amount of the credit repayment. The calculation was made on February 10, 2026, based on a representative example.