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 6.36%) and a longer term (35 years).
| Rate type | Bank Pekao: rate, term, amount | Bank Millennium: rate, term, amount | Difference |
|---|---|---|---|
| Fixed rate | 6.36% fixed for 5 yrs, up to 30 yrsPLN 449,000–561,000 | 6.06% fixed for 5 yrs, up to 35 yrsPLN 487,000–609,000 | PLN 48,000 |
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. Bank Pekao 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 Bank Pekao remains in this pair, usually with a rate surcharge until the loan falls to 80% of the value. 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): Bank Pekao describes it on its website.
Account and salary
- Bank Pekao: the rate in the bank's example requires an account with at least PLN 3,000 paid in every month.
- 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).
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.
Loan term
Bank Millennium lends over up to 35 years, Bank Pekao over 30. On one salary, a longer term often decides whether your creditworthiness is enough: at 6.06% the instalment on PLN 400,000 is PLN 2,297 over 35 years and PLN 2,414 over 30. A longer term also means more interest overall, so plan overpayments.
Which one should you choose?
Bank Pekao 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 Bank Pekao and Bank Millennium for you
Frequently asked questions
Bank Pekao 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 561,000 at Bank Pekao. 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 Bank Pekao or Bank Millennium?
Bank Pekao: the rate in the bank's example requires an account with at least PLN 3,000 paid in every month. 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 Bank Pekao for a single buyer
- PKO Bank Polski or Bank Millennium for a single buyer
- Bank Pekao or mBank for a single buyer
- ING Bank Śląski or Bank Pekao for a single buyer
- mBank 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 Bank Pekao and Bank Millennium (in Polish) · All bank comparisons
Sources
- Bank Pekao: Strona kredytu hipotecznego
- Bank Pekao: Informacje ogólne dotyczące umowy mieszkaniowego kredytu hipotecznego (PDF)
- Bank Pekao: Oprocentowanie zmienne kredytu hipotecznego od 1.10.2026 (PDF)
- Bank Pekao: Oprocentowanie stałe kredytu hipotecznego od 22.10.2026 (PDF)
- 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.