Erste Bank Polska or mBank 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. mBank comes out higher, thanks to a lower rate in its example (6.87% vs 6.97%) and a longer term (35 years).

Erste Bank Polska or mBank: mortgage for one person on PLN 7,000 net
Rate type	Erste Bank Polska: rate, term, amount	mBank: rate, term, amount	Difference
Fixed rate	6.97% fixed for 5 yrs, up to 30 yrsPLN 422,000–527,000	6.87% fixed for 5 yrs, up to 35 yrsPLN 444,000–555,000	PLN 28,000

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 10% of the property value, which is PLN 45,000 on a flat at PLN 450,000. 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

Erste Bank Polska: the bank's example requires konto osobiste i karta kredytowa (no inflow amount stated).
mBank: the bank says it does not require your salary to be paid in.

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

Loan term

mBank lends over up to 35 years, Erste Bank Polska over 30. On one salary, a longer term often decides whether your creditworthiness is enough: at 6.87% the instalment on PLN 400,000 is PLN 2,519 over 35 years and PLN 2,626 over 30. A longer term also means more interest overall, so plan overpayments.

Which one should you choose?

Erste Bank Polska and mBank 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 Erste Bank Polska and mBank for you

Frequently asked questions

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

By our estimate for one person on PLN 7,000 net, mBank comes out higher: up to PLN 555,000 with a rate fixed for 5 years, against PLN 527,000 at Erste Bank Polska. 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 Erste Bank Polska or mBank?

Erste Bank Polska: the bank's example requires konto osobiste i karta kredytowa (no inflow amount stated). mBank: the bank says it does not require your salary to be paid in. 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 Erste Bank Polska and mBank (in Polish) · All bank comparisons

Sources

Show all sources (7)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.