Two Polish banks compared for your situation
Pairs of Polish mortgage banks compared for one situation at a time: a single buyer on one salary, a 10% deposit, and the no-deposit family housing loan. Every figure comes from the banks’ own documents and representative examples.
For a single buyer
One income, one household: how much each bank would lend, the deposit you need to save alone, salary inflows and the loan term.
- PKO Bank Polski or mBank for a single buyer
- PKO Bank Polski or ING Bank Śląski for a single buyer
- PKO Bank Polski or Bank Pekao for a single buyer
- ING Bank Śląski or mBank for a single buyer
- PKO Bank Polski or Bank Millennium for a single buyer
- PKO Bank Polski or Erste Bank Polska for a single buyer
- Bank Pekao or mBank for a single buyer
- ING Bank Śląski or Bank Pekao for a single buyer
- mBank or Bank Millennium for a single buyer
- Erste Bank Polska or mBank for a single buyer
- Bank Pekao or Bank Millennium for a single buyer
- Erste Bank Polska or Bank Millennium for a single buyer
- Alior Bank or ING Bank Śląski for a single buyer
- Alior Bank or Erste Bank Polska for a single buyer
- Alior Bank or Bank Millennium for a single buyer
- Credit Agricole or Erste Bank Polska for a single buyer
- Credit Agricole or BNP Paribas for a single buyer
- BNP Paribas or PKO Bank Polski for a single buyer
- BNP Paribas or ING Bank Śląski for a single buyer
- BNP Paribas or Erste Bank Polska for a single buyer
- Erste Bank Polska or ING Bank Śląski for a single buyer
- Bank Millennium or Credit Agricole for a single buyer
With a 10% deposit
Both banks accept 10%, but charge a different surcharge below 20%: what it costs in zloty and how long you pay it.
- PKO Bank Polski or mBank with a 10% deposit
- PKO Bank Polski or Bank Pekao with a 10% deposit
- PKO Bank Polski or Erste Bank Polska with a 10% deposit
- Bank Pekao or mBank with a 10% deposit
- Erste Bank Polska or mBank with a 10% deposit
Family housing loan (no deposit)
The state no-deposit loan with a BGK guarantee for Polish citizens who own no home (despite its name, also single buyers; a foreigner only with a Polish partner): price and terms in both banks.
- PKO Bank Polski or Bank Pekao: family housing loan
- PKO Bank Polski or Erste Bank Polska: family housing loan
- PKO Bank Polski or Alior Bank: family housing loan
- Alior Bank or Erste Bank Polska: family housing loan
This is not a ranking and not an offer. Details
We compare facts from the banks’ public documents and representative examples, recalculated for the same amounts. The bank sets your final rate and loan amount after assessing your application.