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. Bank Millennium comes out higher, thanks to a lower rate in its example (6.06% vs 6.87%).
| Rate type | mBank: rate, term, amount | Bank Millennium: rate, term, amount | Difference |
|---|---|---|---|
| Fixed rate | 6.87% fixed for 5 yrs, up to 35 yrsPLN 444,000–555,000 | 6.06% fixed for 5 yrs, up to 35 yrsPLN 487,000–609,000 | PLN 54,000 |
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. mBank asks for 10% of the value and Bank Millennium for 20%, a difference of PLN 45,000 on a flat at PLN 450,000. With less than 20%, only mBank remains in this pair, usually with a rate surcharge until the loan falls to 80% of the value.
Account and salary
- mBank: the bank says it does not require your salary to be paid in.
- Bank Millennium: the bank's example requires
konto Millennium 360° z wpływami i transakcjami kartą min. 500 zł miesięcznie (55 miesięcy)
(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?
mBank and Bank Millennium 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 mBank and Bank Millennium for you
Frequently asked questions
mBank or Bank Millennium: which bank lends a single buyer more?
By our estimate for one person on PLN 7,000 net, Bank Millennium comes out higher: up to PLN 609,000 with a rate fixed for 5 years, against PLN 555,000 at mBank. 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 mBank or Bank Millennium?
mBank: the bank says it does not require your salary to be paid in. Bank Millennium: the bank's example requires konto Millennium 360° z wpływami i transakcjami kartą min. 500 zł miesięcznie (55 miesięcy)
(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
- PKO Bank Polski or mBank for a single buyer
- ING Bank Śląski or mBank for a single buyer
- PKO Bank Polski or Bank Millennium for a single buyer
- Bank Pekao or mBank 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 Bank Millennium for a single buyer
- Bank Millennium or Credit Agricole for a single buyer
Full comparison of mBank and Bank Millennium (in Polish) · All bank comparisons
Sources
- mBank: Zmiana oprocentowania na stałe dla obecnych klientów (strona banku, odczyt 1.11.2026)
- mBank: Strona kredytu hipotecznego w ofercie standard
- mBank: Ogólne informacje dotyczące umowy o kredyt hipoteczny (PDF, wersja z czerwca 2025)
- mBank: Strona kredytu: obowiązujące marże i oprocentowanie stałe (oferta standard)
- Bank Millennium: Strona kredytu hipotecznego
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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.