Why Use Our Assistance?
✅ We compare offers from multiple banks simultaneously.
✅ We help you secure the best possible terms – lower monthly payments and total mortgage costs.
✅ We guide you through the entire process – from credit assessment to fund disbursement.
✅ Our support is 100% free – the bank pays the commission, and you gain peace of mind.
Advantages of a Mortgage for an Apartment:
🔹 Own an apartment without years of saving – the bank can cover up to 80–90% of the property value.
🔹 Convenient installments spread over up to 30 years – the loan is tailored to your financial capacity.
🔹 Fixed interest rates (e.g., for 5 or 10 years) provide predictability and payment security.
🔹 Possibility of early repayment and overpayments without extra costs (in some banks).
🔹 Potential increase in property prices in Poland – you repay the loan while the property appreciates.
Mortgage Costs for an Apartment – What You Should Know
🟡 Interest Rate – consists of the bank’s margin and a reference rate (e.g., WIBOR).
🟡 Loan Arrangement Fee – often 0–2% of the loan amount (sometimes negotiable).
🟡 Insurance – banks require property insurance, sometimes also bridge or life insurance.
🟡 Property Valuation – costs from 400 to 1000 PLN, depending on the bank, property type, and location.
🟡 Notary and Court Fees – mortgage registration, notary fee, PCC (if buying a secondary market apartment).
A well-chosen mortgage can save you thousands of PLN over the entire repayment period – that’s why professional support from the start is so important.
Potential Risks and What to Watch Out For
⚠️ Increase in payments with a variable interest rate – consider an offer with a fixed rate.
⚠️ Excess of additional products – some banks offer a lower margin in exchange for insurance, a credit card, or an account – it’s not always worth it.
⚠️ Too long a loan term – lower installments mean higher total costs; it’s important to find a balance.
⚠️ Financial situation fluctuations – a mortgage is a long-term commitment, so plan your budget with a safety margin.
With ReFinansujemy.com – safe, secure, and stress-free.
- We will help you check your creditworthiness without affecting your BIK record.
- We will match the mortgage to your plans – for both purchase and apartment finishing.
- We will explain all formalities, terms, and documents.
- We will ensure you don’t overpay or take a “promotional offer” with hidden costs.
BUYING A PLOT?
BUILDING A HOUSE?
LOOKING FOR A NEW HOUSE?
FIND A CHEAPER MORTGAGE
Mortgage for Buying an Apartment – Loan Process
8
Post-Disbursement Conditions and Loan Monitoring
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Registration of the mortgage in the land and mortgage register, and obtaining insurance in Poland
We will notify you if an opportunity to refinance your mortgage arises.
Mortgage Disbursement
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After meeting all conditions for activation.
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Transfer of funds to the seller’s account.
7
Signing the Mortgage Agreement
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After receiving a positive bank decision and thoroughly reviewing the terms of the agreement.
6
Submitting the Application to the Bank
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We complete applications for the selected banks (often simultaneously for several).
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Attaching all required documents.
4
Choosing a Mortgage Offer
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Comparing offers from different banks (interest rates, fees, insurance).
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Deciding on the type of installments (fixed/variable) and the loan term.
2
Credit Analysis and Decision
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Verification of the application and documents.
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Analysis of scoring and risk.
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Issuing the credit decision.
5
Collecting Documents
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Identification documents, income statements, bank account statements.
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Property-related documents (preliminary agreement, land and mortgage register excerpt, building permit, etc.).
3
Creditworthiness Assessment
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Checking your income, expenses, and credit history (BIK).
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Preliminary evaluation of your borrowing capacity using calculators or a mortgage expert.
1
Tips from Our Experts – BLOG
Mortgage for Buying an Apartment in Poland
A Safe Path to Your Own Home – With an Expert by Your Side
A mortgage is a long-term loan provided by a bank for the purpose of purchasing real estate – in this case, an apartment from the primary or secondary market. The loan is secured by a mortgage registered on the purchased property, which allows the bank to offer better terms than with cash loans.
A mortgage for an apartment can finance:
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Purchase of a new apartment from a developer,
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Purchase of a used apartment,
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Purchase from the foreign market (if allowed by the bank),
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Buyout of a cooperative or municipal apartment,
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Purchase of a share in a property.
Home Loans in Poland for Expats 2025
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Want to learn more and secure the best mortgage in Poland? ReFinansujemy.com are specialists with over 18 years of experience assisting foreigners in Poland with property purchases and mortgages.
Thanks to our expertise and know-how, you can be confident that you’re always getting the best bank offer available. Contact us today, and we’ll help you analyze your situation and obtain a mortgage that’s both profitable and advantageous for you.
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