Buying an apartment
Mortgage and sale
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Investing in Polish Real Estate from Abroad: New-Build Flats in Warsaw and Wroclaw, Yield and Taxes (2026)
Aleja Platanowa 2, Metr Kwadrat, Piastova Osada and Juranda Residence: New Developments Compared (Wroclaw and Warsaw, 2026)
Estate Agent in Warsaw: Who Pays the Commission When Buying a New-Build Flat (2026)Articles and guides about mortgages in Poland.
The average rate on new residential loans in Poland is 6.07% (NBP, July 2026). What it consists of, what WIBOR and the margin are, fixed or variable, and what it means for the instalment.
Can a foreigner with a temporary residence card (karta czasowego pobytu) get a mortgage in Poland? What banks check, which documents to prepare and what the instalment looks like, with a Wroclaw example.
Mortgage refinancing in 2026: the costs (mortgage, notary, valuation), compensation of up to 3% and a calculation of when changing banks pays off.
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.
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.
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.
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.
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.
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.
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.
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.
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.
