Loans

Loans and mortgages in Poland explained for foreigners: bank requirements, interest rates and step-by-step guides from a Warsaw-based mortgage expert.

06/08/2025 20 min

Credit Holidays 2025: The End of an Era of Relief. An In-Depth Analysis of the Impact on Creditworthiness and a Guide to Alternatives

Credit Holidays in 2025 – The Official Closure of the Program and Market Context 1.1. The Definitive End of the Government Program The year 2025...

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Zamyślony klient analizujący swoją sytuację finansową po darowiźnie mieszkania z hipoteką

05/08/2025 6 min

Heart and Mortgage: A Legal Guide, or How to Gift an Apartment with a Mortgage Without Losing Your Head

A Story of Romance, Real Estate, and Quite a Sizeable Debt Let’s imagine a scenario that happens more often than one might think. Our protagonist,...

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Obraz przedstawiający parę przed życiową decyzją

09/07/2025 3 min

Which Mortgage Interest Rate Should You Choose? Fixed vs Variable

Choosing the right mortgage interest rate is one of the most important financial decisions every borrower has to face. In previous posts, we analyzed the...

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23/06/2025 3 min

Fixed Interest Rate? Are You Sure? Time to Reveal the Cards! 🃏

Many people, looking for security, choose a mortgage with a fixed interest rate. In Polish conditions, however, there’s a catch hidden behind this that you...

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18/06/2025 3 min

Mortgage in Warsaw: Does a Higher Starting Installment Really Not Pay Off?

Are you planning to take out a mortgage in Warsaw and worried about a higher, fixed installment at the start? This is a dilemma that...

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