Mortgages
Mortgage refinancing in Poland 2026 – when it pays off (a calculation)
Mortgage refinancing in 2026: the costs (mortgage, notary, valuation), compensation of up to 3% and a calculation of when changing banks pays off.
~14 min readRead
Articles and guides — Page 5
Practical guides to buying a flat, mortgages and paperwork — plain and to the point.
Mortgages
Mortgage for a Flat Under Construction in Poland 2026 – Tranches, Interest, Bridging Cover
Mortgage for a flat under construction: tranches into an escrow account, interest on the amount drawn, grace period and refund of bridging cover. Example for 2027 completion.
~16 min readRead
Mortgages
Mortgage for a Single Person in Poland 2026 – Borrowing Capacity, Deposit, Which Flat
Mortgage for a single person 2026: how much a bank lends on PLN 6–12k net a month, and how many flats from our offer in Warsaw and Wroclaw fit the budget.
~13 min readRead
Mortgages
A mortgage for sole traders and B2B contractors in Poland 2026 – how long, lump-sum tax, income
A mortgage for a B2B contractor or sole trader (JDG) in 2026: how long in business, how banks count lump-sum and flat-tax income. An example for 20 thousand zł net.
~14 min readRead
Mortgages
Documents for a mortgage in Poland 2026 – a list: employment, sole trader, B2B, contract for work
Documents for a mortgage in 2026: a checklist for employees, sole traders (JDG), B2B and contract-for-work income, tax office and ZUS certificates, and the developer's documents.
~14 min readRead
Mortgages
Which bank for a mortgage in Poland 2026? Margin, APR, commission
Which bank for a mortgage in 2026? No ranking: how to compare offers in the ESIS form – margin, APR, commission, cross-selling. An example of 2 offers for 600 thousand zł.
~14 min readRead
Mortgages
Mortgage instalment on 500, 600, 700, 800 thousand zł over 25–35 years – tables 2026
The instalment on a 600 thousand zł mortgage and other amounts over 25–35 years at 5.5%, 6.07% and 7%: tables, decreasing instalments, interest, APR and the income needed.
~13 min readRead
Mortgages
WIBOR, WIRON and POLSTR 2026 – what they are, how they affect your instalment, the reform
WIBOR, WIRON and POLSTR in 2026: current rates, the reform timetable (WIBOR until 2036), what happens to WIBOR loans and how much the instalment changes with a 1 percentage point rise.
~12 min readRead
Mortgages
Fixed or variable mortgage interest rate in Poland 2026 – NBP data, WIBOR, repayments
Fixed or variable rate in 2026: NBP and WIBOR data, what happens after 5 years of a fixed rate, and the instalment on a 600 thousand zł loan if rates move by ±1 and ±2 percentage points.
~13 min readRead
Mortgages
A mortgage without a deposit 2026 – is it possible and what are the conditions
A mortgage without a deposit in 2026: the BGK guarantee, price limits per m², a 10% deposit with insurance. The instalment and income at a 0, 10 and 20% deposit on prices from our offer.
~13 min readRead
Law and contracts
Land and mortgage register (księga wieczysta) in Poland: how to check it online and what sections I–IV mean (2026)
How to check a land and mortgage register (księga wieczysta) online for free: the KW number format, sections I-O to IV with red flags, notes (wzmianka) and extract fees of 30/75 zł from 31.03.2026.
~15 min readRead
Law and contracts
Notarial deed when buying a flat from a developer in Poland (akt notarialny): what it contains
The notarial deed when buying a flat from a developer: what it contains, what to check in the draft deed, the documents, the costs and what to do after signing.
~16 min readRead