Mortgage in Poland ≡ El Estate | Buy property with a mortgage

Apartment with a mortgage
in Poland: where to start?

Buying an apartment with a mortgage in Poland is becoming an increasingly popular solution among foreigners and local residents. EU countries, especially Poland, offer stable conditions, low interest rates, and transparent housing loan procedures. If you want to get a mortgage in Poland and are looking for a reliable partner — El Estate provides full support: from selecting the property to concluding the deal and assistance with legalization.

Our Objects

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El Estate supports clients at every stage:

El Estate accompanies customers at every stage:

Analysis of financial capabilities and selection of loan conditions

Search for real estate suitable for a mortgage

Interaction with banks and loan processing

Preparation of documents

Legal support of the purchase and sale agreement

Consultations on long-term property management

We help you buy real estate with a mortgage quickly and stress-free.
An apartment with a mortgage through a realtor is a guarantee that all nuances will be taken into account: from the condition of the housing to the mortgage rates in Poland.

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Mortgage loans in Poland: benefits and interest rates

Housing loan in Poland:
benefits and rates

Main conditions:

Down payment — from 10%

Residence card or residence permit — a mandatory condition for most banks👉 Exception: there is only one bank that can provide a mortgage without a residence card

Official employment in Poland: — at least 6 months of work experience (in some cases — from 12 months)

Own business (działalność gospodarcza) — at least 1 year of active operation

If you have already chosen a property and only need mortgage financing — we can also help.

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Our Objects

We are here to make the process as simple and clear as possible.

Mortgage arrangement is a free service provided by our company. We can take care of the entire process for you:

Consultations

(01)

Selection of the bank and best conditions

(02)

Communication with the loan specialist

(03)

Checking the conditions

(04)

Support up to signing the agreement

(05)

If you want to take out a mortgage or calculate the mortgage interest rate in Poland, leave a request. We will select an individual solution and calculate the total purchase cost.

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Housing options: apartment on credit in Poland

Мы здесь для того, чтобы сделать процесс максимально простым и понятным.

With us you can buy an apartment with a mortgage in any format:

Studios

Apartments in new buildings

Housing on the secondary market

Investment properties for rent

Our team will help you choose the optimal property: whether it is housing on credit, a mortgage, an apartment for living or for business.

Our Objects

Submit Request

Why El Estate?

Licensed agency

Legal support

Partnership programs with banks

4000+ clients

Successful experience even in complex situations

Want to take an apartment with a mortgage or calculate the mortgage rate in Poland — leave a request. We will select an individual solution and calculate the full purchase cost.

Submit Request

El Estate supports clients at every stage:

Analysis of financial capabilities and selection of loan conditions

Search for real estate suitable for a mortgage

Interaction with banks and loan processing

Preparation of documents

Legal support of the purchase and sale agreement

Consultations on long-term property management

Main conditions:

We are here to make the process as simple and clear as possible.

Housing options: apartment on credit in Poland

Studios

Apartments in new buildings

Housing on the secondary market

Investment properties for rent

Why El Estate?

Licensed agency

Legal support

Partnership programs with banks

4000+ clients

Successful experience even in complex situations

Buying real estate in Krakow, Wroclaw, Warsaw: support that exceeds your expectations