Housing Loan "My Home"
Fulfill the dream of your own home with the "My Home" loan in the "Home Finance Package" promotion
Only from 1.05.2026 to 31.08.2026, we have prepared a unique housing loan promotion.
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 up to 5 years – security and predictability of installments
- Commission from 0% – determined individually
- Possibility of refinancing a loan from another bank
Clear rules = real benefits
All you need to do is:
✔ apply for the "My Home" housing loan under the "Home Finance Package" promotion
to 31.08.2026;
✔ open and maintain a personal account at our bank;
✔ ensure salary deposits into that account;
✔ use property insurance offered through us;
✔ sign a credit card agreement and maintain it during the loan period.
This way, you will receive preferential pricing conditions for the entire loan period.
Don't postpone your decision.
Your home is closer than you think.
Useful information
- Regulations of the "My Home" housing loan promotion called "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 on the risk of increasing interest rates and the regulations of the BMR and emergency plan
- Interest rate risk
- Refund of commission for early repayment of a mortgage loan
For variable interest rate:
The Actual Annual Interest Rate (APR) is 6.26% based on the following assumptions: total loan amount: 309,900.00 PLN (excluding loaned costs), loan period: 245 months; down payment: 22.53% of the property value; loan interest rate: 5.05% per year for the first 24 months and from the 25th month – 6.05%, calculated as the sum of the current reference rate: variable WIBOR 3M rate: 4.06% and the Bank margin of 0.99% for the first 24 months and 1.99% in subsequent years. Monthly installment: 2,030.54 PLN for the first 24 months, and in subsequent years 2,192.70 PLN, total number of installments: 245. Total cost of the loan: 230,090.91 PLN, including: total interest over the loan period: 223,418.81 PLN, loan granting commission: 0.40% of the granted loan amount totaling: 1,239.60 PLN. The total annual fees for holding a credit card over the loan period amount to 1,048.50 PLN. The total monthly fees for maintaining an account over the loan period amount to 2,450.00 PLN. The total monthly fees for servicing the card to the EKO-account amount to 1,715.00 PLN. Cost of establishing a mortgage: 200.00 PLN, tax on civil law transactions (PCC 3): 19.00 PLN. The Bank does not take into account the following costs in the total loan cost: the cost of insurance for the financed property outside the Bank's offer, property valuation costs, and the cost of life insurance for the Borrower outside the Bank's offer, as it is not a provider of these additional services to the consumer. The total amount to be paid is: 539,990.91 PLN. The loan 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 increase the amount of the loan repayment installment.
The calculation was made on February 10, 2026, based on a representative example.
For periodical fixed interest rate:
The Actual Annual Interest Rate (APR) is 6.32% based on the following assumptions: total loan amount: 309,900.00 PLN (excluding loaned costs), loan period: 245 months; down payment: 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 Bank margin of 1.6%) and 6.05% from the 61st month (calculated as the sum of the current reference rate: variable WIBOR 3M rate: 4.06% and Bank margin of 1.99%). Monthly installment: 2,146.19 PLN for the first 60 months, and in subsequent years 2,195.08 PLN, total number of installments: 245. Total cost of the loan: 231,633.79 PLN, including: total interest over the loan period: 224,961.69 PLN, loan granting commission: 0.40% of the granted loan amount totaling: 1,239.60 PLN. The total annual fees for holding a credit card over the loan period amount to 1,048.50 PLN. The total monthly fees for maintaining an account over the loan period amount to 2,450.00 PLN. The total monthly fees for servicing the card to the EKO-account amount to 1,715.00 PLN. Cost of establishing a mortgage: 200.00 PLN, tax on civil law transactions (PCC 3): 19.00 PLN. The Bank does not take into account the following costs in the total loan cost: the cost of insurance for the financed property outside the Bank's offer, property valuation costs, and the cost of life insurance for the Borrower outside the Bank's offer, as it is not a provider of these additional services to the consumer. The total amount to be paid is: 541,533.79 PLN. The loan 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 increase the amount of the loan repayment installment. The calculation was made on February 10, 2026, based on a representative example.