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All Polish Mortgage Banks · 800,000 PLN Loan

Borrowing 800 000 PLN to buy an apartment in Poland and want the real all-in monthly cost?

800 000 PLN Mortgage in Poland – Payment & Salary

On a 800 000 PLN 25-year loan, the 5-year gap between Bank #1 (UniCredit Polska) and Bank #11 (Alior Bank) is 36 430 PLN (607 PLN every month).

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Lowest True Payment (20% down, 25 yrs)
5 150 PLN / mo
#1 UniCredit Polska (5.99%)
Est. Net Income Needed (Couple)
~13 300 PLN
Single Applicant (UoP): ~12 400 PLN
5-Year Savings (#1 vs #11 Bank)
36 430 PLN
+607 PLN / mo (Alior Bank)

11-Bank Ranking for a 800 000 PLN Loan

Base bank payment Mandatory insurance

Minimum Net Income Needed for a 800 000 PLN Mortgage

Single Applicant (UoP)
~12 400 PLN / mo
Couple (No Kids)
~13 300 PLN / mo
Family (2+1)
~14 800 PLN / mo
B2B Ryczałt (Net Invoice)
~18 200 PLN / mo

Estimate includes Polish KNF 5Y-fixed stress buffer, household subsistence minimums, and dependent-adjusted bank DSTI caps.

FAQ – 800,000 PLN Mortgage in Poland

What is the monthly payment on a 800 000 PLN mortgage in Poland?

With a 20% down payment (~1 000 000 PLN property price), the lowest true 5-year monthly payment including mandatory bank insurance is 5 150 PLN/mo at UniCredit Polska (5.99% 5Y fixed). The priciest of the 11 Polish banks (Alior Bank) averages 5 757 PLN/mo.

How much net salary do I need for a 800 000 PLN mortgage in Poland?

Under Polish KNF stress-buffer rules, estimated minimum net household income for 800 000 PLN over 25 years is ~12 400 PLN/mo net for a single applicant, ~13 300 PLN/mo for a couple, and ~14 800 PLN/mo for a 2+1 family. For IT/B2B Ryczałt contractors, Ryczałt-friendly banks (Pekao, Alior, VeloBank) look for ~18 200 PLN/mo net invoice revenue.

Can I get a 800 000 PLN mortgage in Poland with a 10% down payment?

Yes – 8 of the 11 Polish mortgage banks accept a 10% down payment (88 889 PLN cash on a 888 889 PLN property; only ING Bank Śląski, BNP Paribas, and UniCredit require 20%). Today's #1 10%-down offer is VeloBank at 5 337 PLN/mo (6.10%).

How does loan term (15, 20, 25, 30 years) change a 800 000 PLN payment?

At today's leading 5Y fixed rate, approximate monthly payments are 6 747 PLN/mo (15 yrs), 5 727 PLN/mo (20 yrs), 5 150 PLN/mo (25 yrs), and 4 791 PLN/mo (30 yrs).