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. Credit Agricole comes out higher, thanks to a lower rate in its example (6.58% vs 7.5%) and a longer term (35 years).
| Rate type | Credit Agricole: rate, term, amount | BNP Paribas: rate, term, amount | Difference |
|---|---|---|---|
| Fixed rate | 6.58% fixed for 7 yrs, up to 35 yrsPLN 459,000–574,000 | 7.5% fixed for 5 yrs, up to 30 yrsPLN 400,000–500,000 | PLN 74,000 |
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. Credit Agricole 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 Credit Agricole remains in this pair, usually with a rate surcharge until the loan falls to 80% of the value.
Account and salary
- Credit Agricole: the bank's example requires
konto (0 zł)
(no inflow amount stated). - BNP Paribas: the bank's example requires
konto z kartą debetową
(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
Credit Agricole lends over up to 35 years, BNP Paribas over 30. On one salary, a longer term often decides whether your creditworthiness is enough: at 6.58% the instalment on PLN 400,000 is PLN 2,439 over 35 years and PLN 2,549 over 30. A longer term also means more interest overall, so plan overpayments.
Which one should you choose?
Credit Agricole and BNP Paribas 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 Credit Agricole and BNP Paribas for you
Frequently asked questions
Credit Agricole or BNP Paribas: which bank lends a single buyer more?
By our estimate for one person on PLN 7,000 net, Credit Agricole comes out higher: up to PLN 574,000 with a rate fixed for 7 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 Credit Agricole or BNP Paribas?
Credit Agricole: the bank's example requires konto (0 zł)
(no inflow amount stated). BNP Paribas: the bank's example requires konto z kartą debetową
(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
- Credit Agricole or Erste Bank Polska 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
- Bank Millennium or Credit Agricole for a single buyer
Full comparison of Credit Agricole and BNP Paribas (in Polish) · All bank comparisons
Sources
- Credit Agricole: Strona kredytu na mieszkanie
- Credit Agricole: Informacje ogólne dotyczące umowy o kredyt hipoteczny 2/2025 (PDF)
- Credit Agricole: Tabela oprocentowania kredytów i pożyczek hipotecznych (PDF, od 26.10.2026)
- Credit Agricole: Tabela opłat i prowizji kredytów i pożyczek hipotecznych od 1.07.2024 (PDF)
- BNP Paribas: Strona kredytu hipotecznego
Show all sources (6)Show fewer 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.