Bank Pekao SA - Private Banking

Home Loans

If you need financing to buy, build or renovate your house or flat, we offer Pekao SA Bank's new home loans:

Mortgage Home Loan

Mortgage Home-Construction Loan

The loans can be taken out in Polish zlotys or foreign currencies (US dollars and Euros - for people who are earning in this currencies).

In addition to the currency of the loan, you can also choose:

Type of Interest Rate - The loans can have a fixed or variable interest rate during the first twelve month and then a variable interest rate until the loan is repaid.
Type of Repayments - You can pay back the loan in fixed or variable (decreasing) repayments. It is also possible to suspend the repayments of the loan principal for a year.

The Mortgage Loans can be used to:

Buy or build a house or flat
Buy the ownership right to a flat, or the right to a flat or a house through a housing association
Convert a housing-association-based right to a flat into an ownership right to the flat
Renovate or modernise a house or a flat
Adapt non-housing premises for housing purposes
Buy a plot with a house the building of which has not been completed, and to complete the construction
Buy the ownership right to a council flat or a flat provided by the employer

As well as to:

Purchase a building plot
Purchase or build housing premises with a part (up to 33% of the total floor area) used for business purposes
Purchase a garage or a private parking space

By choosing one of our home loans you can obtain up to 104% of the market value or the purchase price of the property on credit (under regular conditions it is only possible to obtain loans amounting up to 80% of the market value of the property in question).

The maximum repayment period for home loans is:

30 years for loans in Polish zlotys
20 years for loans in foreign currencies

The following are the required legal collaterals for home loans:

In the case of a loan in Polish zlotys: Ordinary real estate mortgage as a collateral for the loan principal and ceiling mortgage to secure incidental dues (interest and other costs)

Or:

In the case of a loan in foreign currencies: Ceiling mortgage

As well as:

In either case: Transfer to the Bank of the rights from the insurance policy for the real estate bought on the credit

Before establishing the mortgage as the collateral, it is possible to accept temporary collaterals.

Within the home loan in Polish zlotys we offer the following special crediting schemes:

Home loan scheme for the newlyweds
Full financing scheme

The key advantages of our home loans are:

Low costs
Quick Decision - Already during the first meeting you will receive information on the maximum loan amount or the minimum repayment period. You will also receive a full list of necessary documents and a certificate declaring the willingness of the Bank to give you the loan.
A minimum amount of formalities while examining your loan application.

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