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Mortgage on one income · As of 3 November 2026

mBank or VeloBank for a single buyer: a mortgage on one salary

On one net salary of PLN 7,000 and a rate fixed for 5 years, mBank would lend up to PLN 520,000 by our estimate and VeloBank up to PLN 498,000. mBank comes out higher, thanks to a lower rate in its example (6.45% vs 6.92%). The rate in the example of VeloBank requires at least PLN 3,000 paid into the account every month; mBank says it does not require salary inflows.

  • APRC in the bank's example: mBank7.1%interest: fixed for 5 years, then variable
  • APRC in the bank's example: VeloBank7.31%interest: fixed for 5 years, then variable
  • Instalment, PLN 400,000 / 25 years: mBankPLN 2,688at an interest rate of 6.45%
  • Instalment, PLN 400,000 / 25 years: VeloBankPLN 2,807at an interest rate of 6.92%
Check both banks for youCalculate your instalment

Piotr Sułkowski · mortgage expert, KNF RHA0013513
Updated:

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 (6.45% vs 6.92%).

mBank or VeloBank: mortgage for one person on PLN 7,000 net
Rate typemBank: rate, term, amountVeloBank: rate, term, amountDifference
Fixed rate6.45% fixed for 5 yrs, up to 35 yrsPLN 416,000–520,0006.92% fixed for 5 yrs, up to 35 yrsPLN 399,000–498,000PLN 22,000
Variable rate5.51%, up to 35 yrsPLN 362,000–453,0005.54%, up to 35 yrsPLN 361,000–451,000PLN 2,000
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.

Account and salary

  • mBank: the bank says it does not require your salary to be paid in.
  • VeloBank: the rate in the bank's example requires an account with at least PLN 3,000 paid in every month.

With one salary, an inflow condition usually means moving your whole salary to the lending bank. Without the inflows the bank normally raises the margin; the contract states by how much.

Which one should you choose?

mBank and VeloBank 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 VeloBank for you

Already have a mortgage with mBank or VeloBank? Check how much you overpay compared with today’s best offer: refinancing calculator for mBank or VeloBank.

Frequently asked questions

mBank or VeloBank: 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 520,000 with a rate fixed for 5 years, against PLN 498,000 at VeloBank. 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 VeloBank?

mBank: the bank says it does not require your salary to be paid in. VeloBank: the rate in the bank's example requires an account with at least PLN 3,000 paid in every month. 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 mBank and VeloBank (in Polish) · All bank comparisons

Sources

  1. mBank: Zmiana oprocentowania na stałe dla obecnych klientów (strona banku, odczyt 1.11.2026)
  2. mBank: Strona kredytu hipotecznego w ofercie standard
  3. mBank: Ogólne informacje dotyczące umowy o kredyt hipoteczny (PDF, wersja z czerwca 2025)
  4. mBank: Strona kredytu: obowiązujące marże i oprocentowanie stałe (oferta standard)
  5. mBank: Pożyczka hipoteczna (strona produktu, z warunkami promocji kredytu i pożyczki hipotecznej, odczyt 5.11.2026)
Show all sources (10)Show fewer sources
  1. mBank: Regulamin promocji „Stała Pewność - edycja 3” (PDF, od 1.10.2026 do 27.01.2027)
  2. mBank: Regulamin promocji „Elastyczna Hipoteka - edycja 3” (PDF, od 1.10.2026 do 27.01.2027)
  3. VeloBank: Strona kredytu hipotecznego VeloDom
  4. VeloBank: Informacje ogólne o kredycie hipotecznym (PDF)
  5. VeloBank: Tabela opłat i prowizji dla kredytów hipotecznych od 4.11.2024 (PDF)
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.