BNP Paribas or Erste Bank Polska for a single buyer: a mortgage on one salary

In short

This is not a ranking and not an offer. 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.

How much one person on PLN 7,000 net could borrow

A single buyer has one income and a one-person household, so the rate and the loan term decide the amount. We calculated it for one person with no other loans, using the rate from each bank’s representative example and the longest term the bank states in its documents. Erste Bank Polska comes out higher, thanks to a lower rate in its example (6.97% vs 7.5%).

BNP Paribas or Erste Bank Polska: mortgage for one person on PLN 7,000 net
Rate type	BNP Paribas: rate, term, amount	Erste Bank Polska: rate, term, amount	Difference
Fixed rate	7.5% fixed for 5 yrs, up to 30 yrsPLN 400,000–500,000	6.97% fixed for 5 yrs, up to 30 yrsPLN 422,000–527,000	PLN 27,000

Assumptions and sources. Details

An illustration, not a bank decision: the lower amount assumes instalments up to 40% of income, the higher one 50%. Each bank uses its own living costs and limits, so its result may differ.

Saving the deposit on one salary

Without a second person, the whole deposit comes from one income. Erste Bank Polska asks for 10% of the value and BNP Paribas for 20%, a difference of PLN 45,000 on a flat at PLN 450,000. With less than 20%, only Erste Bank Polska remains in this pair, usually with a rate surcharge until the loan falls to 80% of the value. A single buyer who owns no home can also buy without a deposit under the family housing loan (rodzinny kredyt mieszkaniowy), which does not require children but is for Polish citizens (a foreigner only together with a Polish partner): Erste Bank Polska describes it on its website.

Account and salary

BNP Paribas: the bank's example requires konto z kartą debetową (no inflow amount stated).
Erste Bank Polska: the bank's example requires konto osobiste i karta kredytowa (no inflow amount stated).

Check in the information sheet how much the margin rises if you stop using the bank’s account or insurance.

Which one should you choose?

BNP Paribas and Erste Bank Polska confirm the amount, margin and terms only after assessing your application, and a personal offer is often better than the advert. A mortgage expert can apply to both and compare the information sheets (ESIS) at no cost to you, because the bank pays for the service.

Compare BNP Paribas and Erste Bank Polska for you

Frequently asked questions

BNP Paribas or Erste Bank Polska: which bank lends a single buyer more?

By our estimate for one person on PLN 7,000 net, Erste Bank Polska comes out higher: up to PLN 527,000 with a rate fixed for 5 years, against PLN 500,000 at BNP Paribas. It is an illustration based on the banks’ example rates; the bank confirms your amount after the application and a credit bureau (BIK) check.

Do I have to move my salary to BNP Paribas or Erste Bank Polska?

BNP Paribas: the bank's example requires konto z kartą debetową (no inflow amount stated). Erste Bank Polska: the bank's example requires konto osobiste i karta kredytowa (no inflow amount stated). The bank gives the exact conditions of the margin discount in the information sheet.

Can I get a mortgage in Poland on my own as a foreigner?

Yes, banks lend to one person on one income, but each bank sets its own rules for foreigners: the residence document, how long it is valid and where the income comes from. A mortgage expert checks this with the bank before you apply.

Other comparisons

Full comparison of BNP Paribas and Erste Bank Polska (in Polish) · All bank comparisons

Sources

This guide describes general rules and typical bank practice as of October 2026. Details

It is not legal or tax advice and not a bank offer. Each bank sets its own criteria, and the lending decision is always made by the bank.