In Polish: Niski wkład własny
This is the word you will see in bank documents.
Definition
A low down payment is one below 20% of the property value, i.e. a loan with an LTV above 80%. Recommendation S allows a loan of up to 90% of the value if the part above 80% is additionally secured. The bank then charges low down payment insurance or raises the margin until the balance falls to 80% of the value.
What it means for you
A low down payment lets you buy sooner, but costs more: the loan is bigger and the instalment includes an extra charge for the bank's risk. With 10% down, a low surveyor's valuation quickly eats up your margin and requires extra cash. Overpayments shorten the period of the extra charge.
Full entry in Polish, with a worked example and sources Work out your instalment
Frequently asked questions
Can I get a mortgage with a 10% down payment?
Yes, many banks lend up to 90% of the property value. In return they charge low down payment insurance or raise the margin until the balance falls to 80% of the value.
How much does a low down payment cost?
It depends on the bank. With a margin 0.3 percentage points higher on a PLN 540,000 loan it is about PLN 105 a month for just under 8 years. With a one-off premium, usually a few percent of the missing down payment for the insurance period.
Can I buy with a 5% down payment?
Not with a standard loan, because the limit is 90% of the value. A 5% down payment is possible with the Family Housing Loan, in which a BGK guarantee covers the rest up to 20%.
Related terms
Definitions are simplified and reflect Polish law and bank practice as of October 2026. Where every word matters, the Act and your loan agreement decide. Figures in examples are indicative and are not a bank offer. The Polish version of each entry has worked examples and sources.
Other terms in “Creditworthiness and down payment”