BNP Paribas or ING Bank Śląski 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. ING Bank Śląski comes out higher, thanks to a lower rate in its example (6.27% vs 7.5%) and a longer term (35 years).

BNP Paribas or ING Bank Śląski: mortgage for one person on PLN 7,000 net
Rate type	BNP Paribas: rate, term, amount	ING Bank Śląski: rate, term, amount	Difference
Fixed rate	7.5% fixed for 5 yrs, up to 30 yrsPLN 400,000–500,000	6.27% fixed for 5 yrs, up to 35 yrsPLN 475,000–594,000	PLN 94,000

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

Both banks ask for a deposit from 20% of the property value, which is PLN 90,000 on a flat at PLN 450,000.

Account and salary

BNP Paribas: the bank's example requires konto z kartą debetową (no inflow amount stated).
ING Bank Śląski: the bank's example requires konto w Planie ING Go (no inflow amount stated).

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

Loan term

ING Bank Śląski lends over up to 35 years, BNP Paribas over 30. On one salary, a longer term often decides whether your creditworthiness is enough: at 6.27% the instalment on PLN 400,000 is PLN 2,354 over 35 years and PLN 2,468 over 30. A longer term also means more interest overall, so plan overpayments.

Which one should you choose?

BNP Paribas and ING Bank Śląski 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 ING Bank Śląski for you

Frequently asked questions

BNP Paribas or ING Bank Śląski: which bank lends a single buyer more?

By our estimate for one person on PLN 7,000 net, ING Bank Śląski comes out higher: up to PLN 594,000 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 ING Bank Śląski?

BNP Paribas: the bank's example requires konto z kartą debetową (no inflow amount stated). ING Bank Śląski: the bank's example requires konto w Planie ING Go (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 ING Bank Śląski (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.