We can offer you a wide range of mortgage advice and take care of all the matters concerning mortgages for you,whether it is a residential, commercial or development loan.We have contracts signed with a number of banks to give you the best offer.The interest rate and the arrangement fee depends on the individuals or company's credit rating and the credit history. It also depends on the size of the company and how it has existed on the market. In other words the more 'risky' the investment, the more expensive the loan will be.
Currently the loan in Poland can be given for up to 30 years, and the LTV is up to 100% (however loans given for over 100% of the value require and extra security, therefore are more expensive; for European Union members from outside of Poland, the LTV is usually not more than 80%).
The arrangement fee for Polish Zloty is from 0.5 to 3.5% of the loan amount, depending on the investment size.
We are able to offer credit in the following currencies:
Polish Zloty zl (PLN)
Euro €
Dollar $
Swiss Frank CHF
Please Contact Us for more details
The arrangement fee for different currencies will be slightly higher and includes an additional cost to cover the currency spread*.
The interest rate for Polish Zloty is 1.2% - 3.5% on top of the current monthly rate of WIBOR.
*Currency spread: the difference between the exchange rate for buying and selling (around 3-6%) The loan given in a different currency is calculated on the basis of the Polish Zloty. The bank supplies the loan in Polish Zlotys accordingly with the buying exchange rate value of a particular currency, whereas the client pays back accordingly with the selling exchange rate value.
Note: the above data is only an estimation, based on our knowledge and experience.