Without any own contribution required the mortgage in zloty is offered among others things: Deutsche Bank, Lukas Bank, Postbank, BOŚ, PKO BP, mBank, MultiBank i Polbank EFG. Deutsche Bank has the best offer. In terms of it, Nordea Bank and the mortgage in Lukas Bank are second only to Deutsche Bank.
The difference in the monthly instalment between the best offer of Deutsche Bank, and Lukas Bank that takes the second place in the ranking – is just 27 zloty. However, if we compare the offer of Deutsch Bank with Multibank that is classified low in the ranking, the difference is already above 400 zlotys!
Next banks went back to credits in zloty, in which there is the possibility to finance 100 percent of the worth of the real estate. Both PKO BP and Eurobank do not require the one’s contribution of 10 percent, which were necessary on May. So twelve banks offer the mortgage in Polish currency, on the basic of which we will finalize the all real estate. In the case of an analogous credit in euro the offer is almost three times lower, because the fact that only 5 banks give us the opportunity to finance our flat on 100 percent. Credits in euro are also considerably less available and in actual fact the more paid euro credits will fall to people who have a very good credit rating.
In the case of the latest ranking of the mortgage in euro there are considerable changes on the leading list. The leader became also Deutsche Bank, Bank Ochrony Środowiska moved into second place, and DnB Nord- the latest leader of the ranking climbed the podium having won the last place. Deutsche Bank offers the lowest interest rate (3,85 percent), and PKO BP the highest (8,64 percent). There is above 500 PLN difference in the monthly instalment between the first and the last bank for the credit of 200 000 PLN with 25-years of the period of the providing credit.
Credit taken in euro seems to be cheaper solution in view of absolutely lower repurchase agreements and the similar level of the margin like in the credit in zloty. However, we have to remember about the exchange risk that is connected with possible fluctuations of euro exchange rate, which in extreme cases may cause this rate higher that in the case of the credit in zloty.