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. PKO Bank Polski comes out higher, thanks to a lower rate in its example (6.57% vs 6.97%) and a longer term (35 years).
| Rate type | PKO Bank Polski: rate, term, amount | Erste Bank Polska: rate, term, amount | Difference |
|---|---|---|---|
| Fixed rate | 6.57% fixed for 5 yrs, up to 35 yrsPLN 459,000–574,000 | 6.97% fixed for 5 yrs, up to 30 yrsPLN 422,000–527,000 | PLN 47,000 |
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): both banks describe it.
Account and salary
- PKO Bank Polski: the rate in the bank's example requires an account with at least PLN 3,000 paid in every month.
- Erste Bank Polska: the bank's example requires
konto osobiste i karta kredytowa
(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
PKO Bank Polski 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 6.57% the instalment on PLN 400,000 is PLN 2,436 over 35 years and PLN 2,547 over 30. A longer term also means more interest overall, so plan overpayments.
Which one should you choose?
PKO Bank Polski and Erste Bank Polska 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 PKO Bank Polski and Erste Bank Polska for you
Frequently asked questions
PKO Bank Polski or Erste Bank Polska: which bank lends a single buyer more?
By our estimate for one person on PLN 7,000 net, PKO Bank Polski comes out higher: up to PLN 574,000 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 PKO Bank Polski or Erste Bank Polska?
PKO Bank Polski: the rate in the bank's example requires an account with at least PLN 3,000 paid in every month. Erste Bank Polska: the bank's example requires konto osobiste i karta kredytowa
(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
- PKO Bank Polski or ING Bank Śląski for a single buyer
- PKO Bank Polski or Bank Pekao for a single buyer
- PKO Bank Polski or Bank Millennium for a single buyer
- Erste Bank Polska or mBank for a single buyer
- Erste Bank Polska or Bank Millennium for a single buyer
- Alior Bank or Erste Bank Polska for a single buyer
- Credit Agricole or Erste Bank Polska for a single buyer
- BNP Paribas or PKO Bank Polski for a single buyer
- BNP Paribas or Erste Bank Polska for a single buyer
- Erste Bank Polska or ING Bank Śląski for a single buyer
- PKO Bank Polski or Erste Bank Polska with a 10% deposit
- PKO Bank Polski or Erste Bank Polska: family housing loan
Full comparison of PKO Bank Polski and Erste Bank Polska (in Polish) · All bank comparisons
Sources
- PKO Bank Polski: Zmiana oprocentowania na stałe dla obecnych klientów (strona banku, odczyt 1.11.2026)
- PKO Bank Polski: Strona kredytu hipotecznego Własny Kąt
- PKO Bank Polski: Informacje ogólne dotyczące umowy o kredyt hipoteczny (PDF)
- PKO Bank Polski: Oprocentowanie kredytu hipotecznego, tabela nr 5 (PDF, od 3.09.2026)
- PKO Bank Polski: Podstawowe opłaty związane z obsługą kredytu hipotecznego (PDF)
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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.