My Home Loan - Bank Spółdzielczy w Szczytnie

My Home Loan – fulfill your dream of your own home

Are you planning to buy an apartment or build a house? The My Home Loan is the solution that combines the simplicity and flexibility you are looking for.

The most important features of the loan:

- fixed margin of 2.49%

- clear and favorable offer without hidden costs

- the option to choose interest rates – decide whether you prefer fixed or variable rates

- no additional conditions – no requirement to use other Bank products

Why choose the My Home Loan?

The loan has been created with those in mind who value simplicity and transparency. With us, you don’t have to worry about mandatory additional products. You choose the terms that best suit your situation.

How to apply?

1. Fill out the application available on our website in the Regulations and documents section.

2. Submit the application at any branch of our Bank (a list of branches is available in the Contact --> Branches section)

3. Enjoy your own home with simple financing terms.

With the My Home Loan, the dream of your own four walls becomes a reality!

For variable interest rates:
The Actual Annual Interest Rate (APR) is: 6.96% based on the following assumptions: total loan amount: 315,500.00 PLN (excluding financed costs), loan term: 249 months; own contribution: 20.00% of the property value; variable loan interest rate: 6.55% per annum – calculated as the sum of the current reference rate: variable WIBOR 3M rate: 4.06% and the Bank's margin of 2.49%. Monthly installment: 2,321.83 PLN, total number of installments: 249. Total loan cost: 267,588.97 PLN, including: total amount of interest over the entire loan period: 262,637.47 PLN, loan origination fee: 1.50% of the loan amount amounting to: 4,732.50 PLN. Cost of establishing a mortgage: 200.00 PLN, tax on civil law transactions (PCC 3): 19.00 PLN. The total loan cost does not include the following costs: cost of insuring the financed property outside the Bank's offer, cost of property valuation, and cost of life insurance for the Borrower outside the Bank's offer, as the Bank does not provide these additional services to consumers. The total amount to be paid is: 583,088.97 PLN. The loan interest rate is variable and may increase during the term of the loan agreement due to the increase in the WIBOR 3M reference rate, resulting in an increase in the amount of the loan installment to be repaid.
Calculation was made as of March 23, 2026, based on a representative example.

For fixed-period interest rates:
The Actual Annual Interest Rate (APR) is: 6.94% based on the following assumptions: total loan amount: 315,500.00 PLN (excluding financed costs), loan term: 249 months; own contribution: 20.00% of the property value; fixed interest rate for the first 60 months: 6.52% per annum – calculated as the sum of the current base rate: 4.03% and the Bank's margin of 2.49%, and then variable interest rate of 6.55% - calculated as the sum of the current reference rate: variable WIBOR 3M rate: 4.06% and the Bank's margin of 2.49%. Monthly installment: 2,316.19 PLN for the first 60 months, and in subsequent years 2,321.17 PLN, total number of installments: 249. Total loan cost: 267,124.08 PLN, including: total amount of interest over the entire loan period: 262,172.58 PLN, loan origination fee: 1.50% of the loan amount amounting to: 4,732.50 PLN. Cost of establishing a mortgage: 200.00 PLN, tax on civil law transactions (PCC 3): 19.00 PLN. The total loan cost does not include the following costs: cost of insuring the financed property outside the Bank's offer, cost of property valuation, and cost of life insurance for the Borrower outside the Bank's offer, as the Bank does not provide these additional services to consumers. The total amount to be paid is: 582,624.08 PLN. The loan interest rate is fixed-period and may increase during the term of the loan agreement due to the increase in the WIBOR 3M reference rate, resulting in an increase in the amount of the loan installment to be repaid.
Calculation was made as of March 23, 2026, based on a representative example.