8 plain-English guides · Interactive calculators · Zero banking jargon
Polish Mortgage Guides
Specific numbers and clear rules instead of 40-page bank PDFs. Pick the topic that matches your situation – from your first apartment in Poland to B2B Ryczałt underwriting and refinancing an expensive 2022–2025 loan.
CALC
Calculator →
Mortgage Overpayment Calculator – Shorten Term vs Lower Payment
See in 3 seconds how many years and interest PLN you cut by overpaying – plus a live "Refinance + Overpay" combo simulator across all Polish banks.
START
From scratch →
Your First Mortgage in Poland Step by Step – Plain-English Glossary & Process
What WIBOR, margin, LTV, RRSO, and Zadatek vs Zaliczka actually mean – plus an interactive installment & overpayment visualizer and 6-step timeline.
01
5 min →
Why 'Lowest RRSO' Misleads – Hidden Mandatory Insurance Across All 11 Banks
How mandatory CPI / life policies add up to ~285 PLN/mo (or 2.85% upfront) to a "0% commission" offer – interactive 11-bank comparison for 20% and 10% down payments.
02
5 min →
How to Cut Your 2022–2025 Mortgage Payment by 500 – 900 PLN per Month
Step-by-step guide to refinancing a high-rate Polish mortgage (7.5% – 8.5%) down to ~5.95%, including closing costs and an interactive payback calculator.
03
4 min →
5-Year Fixed vs Variable Rate (POLSTR 1M / WIBOR) – Which One Wins Today?
Compare Nov 2026 5Y fixed rates (~5.88%–5.99%) against POLSTR 1M (3.48%) and WIBOR 3M/6M (~3.74%–3.90%) variable loans with an interactive simulator.
04
4 min →
Already on a Fixed Rate? How UKNF Rules Let You Refinance to a Cheaper Fixed Rate
What the Polish Financial Supervision Authority (UKNF) blocks (fixed-to-variable) vs what it explicitly allows (refinancing to a cheaper 5Y fixed rate).
05
Calculator →
10% vs 20% Down Payment, Notary Fees & 0% PCC Tax – Day-1 Cash Calculator
Interactive calculator of the exact cash you need on closing day (down payment + notary + court fees + 0% or 2% PCC tax) and which banks accept 10% down.
06
Simulator →
Salary (UoP), B2B Ryczałt, Linear Tax or Zlecenie – How Banks Score Your Income
Minimum tenure (3 / 6 / 12 / 24 months) and why your borrowing capacity on a B2B Ryczałt invoice differs by 300,000+ PLN across Polish banks.
07
Check →
Mortgage in Poland for Foreigners & Expats – Karta Pobytu, EU Citizens, Visa & MSWiA
Residence card requirements across all 11 banks, when an apartment vs a house requires an MSWiA permit, and an interactive Eligibility Checker.
Individual Bank Breakdowns (All 11 Mortgage Banks in Poland)
Click any bank to inspect its current 5Y fixed rate, variable margin, mandatory life insurance cost, and underwriting pros & cons in English:
Ready to run the numbers for your apartment?
Compare true monthly payments or check your maximum borrowing limit across all Polish banks in 3 seconds.