Polish mortgage providers - overview of offers?

pat2Threads: 1 Joined: Mar 13, 10 ♂	Mar 13, 10, 08:37 #1
Does anyone know of any resources that provide an overview of banks and other lenders in Poland that offer mortgages for apartments? We currently have a mortgage with BGZ, but they rip us off left, right and centre! I understand that other mortgage providers are becoming more flexible (e.g. fixed rate). Any info would be much appreciated!

slawekkThreads: - Posts: 12 Joined: Aug 28, 09 ♂	Mar 13, 10, 08:46 #2
I think http://maxmoney.pl/ might be what you are looking for. Do tell us your experience if you decide to use them, that would be a very useful information.

danie_lpodporaThreads: - Posts: 2 Joined: Feb 13, 10 ♂	Mar 30, 10, 19:54 #3
PAT write me your cuurent situation and I will help you with mortgage. why you decided to BGZ. they are not giving loans now...? daniel.podpora@gmail.com

polishmortgagesThreads: 7 Posts: 20 Joined: Jun 22, 10 ♂	Jun 22, 10, 19:26 #4
Thread attached on merging: mortgage and banks? halo In what bank do you get your mortgage now and in what terms and conditions. The same question is regarding re-mortgage. thanks

alexw68

Edited by: alexw68 Jun 22, 10, 21:26 #5

Frankly they're all a crock of **** compared to 2-3 years ago.

Commission (marża) has rocketed from a standard 2% (negotiable downwards with the right people) to 4-5% and above, offsetting any gains you might have from the overall drop in bank interest rates.

I recall that during the crunch at least one institution threatened to foreclose on loans THAT WERE BEING PAID CORRECTLY in order, it thought, to eliminate risk.

Sharing the risk with lenders is what we, the borrowers, pay you M*****F*****s for. Please try to understand the rules of the game before playing (and having your knuckles rapped by the financial authorities).

Oh, and now would not be a bad time (in the next 2-3 months) to take out a CHF or Euro denominated loan. Sllly season is over as far as the run on the PLN is concerned (WTF was that 5.04 against Sterling the other week all about?) - the zloty can only strengthen in both the short and medium term.

I'm with WBK - not flashy, but they've done us all right, for what it's worth...

♂

Jun 23, 10, 12:36 #6

Frankly they're all a crock of **** compared to 2-3 years ago.

Commission (marża) has rocketed from a standard 2% (negotiable downwards with the right people) to 4-5% and above, offsetting any gains you might have from the overall drop in bank interest rates.

Not true, although there are still many bad offers on the market.

Probably one of the best at present - and available also to non-residents of Poland - is with Bank DnB Nord.

Their promotion for May - not sure if it is still valid - had the following main points:
0% loan commission
0% bank margin in first year - after that 1.7%
0% early loan repayment commission (either part or full) during life of loan.

Oh, and now would not be a bad time (in the next 2-3 months) to take out a CHF or Euro denominated loan. Sllly season is over as far as the run on the PLN is concerned (WTF was that 5.04 against Sterling the other week all about?) - the zloty can only strengthen in both the short and medium term.

I agree with you

alexw68

Jun 23, 10, 12:41 #7

Thanks Andy, hadn't looked in a few months.

The restoration of common sense, who'd have thunk it? The greenhorn banks here did over-react to the crisis so now the worst is over as far as personal debt goes (we'll keep schtum about that sovereign debt, eh?) it's good to see some newer outfits showing the old molochs the way forward.

Hell, rates like that, might even get back in the market again...

polishmortgagesThreads: 7 Posts: 20 Joined: Jun 22, 10 ♂	Jun 23, 10, 13:00 #8
Halo I have now the best mortgage for foreigners. please find details at polishmortgages.eu/1,1,267,Current_mortgage_offers the conditions to receive it is: full time employment min. salary - equivalent of 10 000 PLN LTV is 90% and this offer is very good for new mortgages and refinance. any questions please do not hesitate contact me. regards Daniel

♂

Jun 23, 10, 13:28 #9

Andy

the offer which you wrote for DNB Expired a few days ago but there is a new "summer offer". The current offer are on the web site

polishmortgages.eu/1,1,267,Current_mortgage_offers

now this offer is the best one. if somebody is in Noble/dombank should do refinance :)

might be new offers like this on in DNB will recover property market. Now I have a lot of buyers for properties in Warsaw but I think in other towns is the same situation.

regards
Daniel

♂

Jun 23, 10, 13:57 #10

Andy

the offer which you wrote for DNB Expired a few days ago but there is a new "summer offer". The current offer are on the web site

polishmortgages.eu/1,1,267,Current_mortgage_offers

now this offer is the best one. if somebody is in Noble/dombank should do refinance :)

might be new offers like this on in DNB will recover property market. Now I have a lot of buyers for properties in Warsaw but I think in other towns is the same situation.

regards
Daniel

It's a very competitive offer, but of course the income requirements are a little higher than other banks.

Yes, definitely clients with uncompetitive offers from banks like Dom/Noble/Metrobank should consider refinancing

polishmortgagesThreads: 7 Posts: 20 Joined: Jun 22, 10 ♂	Jul 6, 10, 20:27 #11
soon there will be another offer available for whose with smaller income :)

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