andy b:
It all depends how long you have owned it for. Unfortunately, I don't know any Polish bank that will re-mortgage if you have owned the property for more than 2 years.
i know :)
if you refinace your loan the procedure is even easier , you do not have provide any financial documents, bank accept only statement that you work and the conditions are very very good: 0% bank commission, 1% bank margin
if somebody has a metro it is a very good offer to refinace it, but we have to remeber about repayment fee in metro :(
in metro there is 3rd and 4th cost:
3rd: spread 8,33%
4rd: refundable cover/deposit which is 3 or 5 multiply by your installments =deposit. it is not a cost but this money you block
kind regards
daniel.podpora@rednetproperty.com