Mortgage Loan “My Home”
Fulfill the dream of your own home with the “My Home” loan in the “Home Finance Package” promotion
Only from 2.09.2026 to 30.11.2026 we have prepared a special mortgage loan promotion.
This is the perfect moment to buy, build, or transfer your loan to us on attractive terms.
What do you gain?
- Margin from as low as 0.99 pp (with variable interest rate – for the first 24 months)
- Fixed interest rate for up to 5 years – security and predictable installments
- Fee from 0% – determined individually
- Possibility to refinance a loan from another bank
Clear rules = real benefits
All you need to do is:
✔ submit an application for the “My Home” mortgage loan in the “Home Finance Package” promotion
by 30.11.2026;
✔ open and maintain a personal account with our bank;
✔ ensure your salary is paid into that account;
✔ use the property insurance offered through us;
✔ sign a credit card agreement and maintain it during the loan period.
As a result, you will receive preferential pricing conditions throughout the entire loan term.
Don't put off your decision.
Your home is closer than you think.
Useful information
- General information about My Home in the Home Finance Package promotion
- Terms and conditions of the mortgage loan promotion “My Home” under the name “Home Finance Package”
- Terms and conditions of mortgage loans for individual customers
- Information on the risk of interest rate increases and on the provisions of the BMR Regulation and the contingency plan
- Interest rate risk
- Refund of the fee for early repayment of a mortgage loan
For variable interest rate:
The Annual Percentage Rate (APR) is 6.31% under the following assumptions: total loan amount: PLN 389,600.00 (excluding financed costs), loan term: 260 months; own contribution: 20.00% of the property value; variable loan interest rate: 4.84% per annum for the first 24 months - calculated as the sum of the current WIBOR 3M reference rate: 3.85% and the Bank's margin of 0.99%, and then variable interest rate 5.84% - calculated as the sum of the current reference rate: WIBOR 3M variable rate: 3.85% and the Bank's margin of 1.99%. Monthly installment: PLN 2,422.54 for the first 24 months, and in the following years PLN 2,629.08, total number of installments: 260. Total loan cost: PLN 305,680.05, including: total interest over the entire loan term: PLN 289,005.85, loan origination fee: 0.20% of the granted loan amount, totaling PLN 779.20. The total annual fees for holding a credit card over the entire loan term amount to PLN 1,116.00. The total monthly account maintenance fees over the entire loan term amount to PLN 2,600.00. The total monthly fees for servicing the account card amount to PLN 2,600.00. The annual premium for insurance of the financed property against fire and other accidental damage with TU under the Bank's offer is PLN 432.00 (PLN 9,360.00 for the entire loan term). Cost of establishing a mortgage: PLN 200.00, civil transaction tax (PCC 3): PLN 19.00. In the total loan cost, the Bank does not include the following costs: the cost of the Borrower's life insurance and the cost of property valuation, as it is not the provider of this service to the consumer. The total amount payable is PLN 695,280.05. The loan interest rate is variable and during the term of the loan agreement may increase due to an increase in the WIBOR 3M reference rate, which will result in an increase in the amount of the installment to be repaid.
The calculation was made on 2 September 2026 based on a representative example.
For fixed-term interest rate:
The Annual Percentage Rate (APR) is 6.43% under the following assumptions: total loan amount: PLN 389,600.00 (excluding financed costs), loan term: 260 months; own contribution: 20.00% of the property value; fixed-term loan interest rate: 5.62% per annum for the first 60 months - calculated as the sum of the current base rate: 4.02% and the Bank's margin of 1.60%, and then variable interest rate 5.84% - calculated as the sum of the current reference rate: WIBOR 3M variable rate: 3.85% and the Bank's margin of 1.99%. Monthly installment: PLN 2,595.52 for the first 60 months, and in the following years PLN 2,636.04, total number of installments: 260. Total loan cost: PLN 310,013.82, including: total interest over the entire loan term: PLN 293,339.62, loan origination fee: 0.20% of the granted loan amount, totaling PLN 779.20. The total annual fees for holding a credit card over the entire loan term amount to PLN 1,116.00. The total monthly account maintenance fees over the entire loan term amount to PLN 2,600.00. The total monthly fees for servicing the account card amount to PLN 2,600.00. The annual premium for insurance of the financed property against fire and other accidental damage with TU under the Bank's offer is PLN 432.00 (PLN 9,360.00 for the entire loan term). Cost of establishing a mortgage: PLN 200.00, civil transaction tax (PCC 3): PLN 19.00. In the total loan cost, the Bank does not include the following costs: the cost of the Borrower's life insurance and the cost of property valuation, as it is not the provider of this service to the consumer. The total amount payable is PLN 699,613.82. The loan interest rate is fixed-term and during the term of the loan agreement may increase due to an increase in the WIBOR 3M reference rate, which will result in an increase in the amount of the installment to be repaid.
The calculation was made on 2 September 2026 based on a representative example.
The granting of the loan by the Bank depends on a positive creditworthiness assessment. The information presented above is not an offer or a proposal to purchase a product within the meaning of the law, and is for information purposes only.