What can a mortgage loan be used for?

A mortgage loan (kredyt hipoteczny) is a purpose-specific loan, which means that, unlike a general mortgage-backed loan (pożyczka hipoteczna), it can only be taken out for a specific purpose approved by the bank. The most common purposes for mortgage loans in Poland include:

Purchase of an apartment or house (primary or secondary market)
Purchase of land
Construction or completion of a house
Renovation, expansion, modernization or adaptation of a property
Refinancing an existing mortgage loan

Overpayments Calculator

See how overpayments affect your monthly instalment and the total cost of your loan. In just a few moments, calculate how much you can save on interest.

Creditworthiness Calculator

Check how much you can borrow based on your income and existing commitments. If your borrowing capacity is insufficient, contact us for practical ways to improve it.

Compare Mortgage Loans

Compare current mortgage loan offers. See the differences in installment amounts, total costs and terms to choose the best solution for your needs.

Compare Personal Loans

Compare personal loans in terms of fees, interest rates, installment amounts and total cost. With our comparison tool, you can quickly determine which offer is truly advantageous.

Remortgage calculator

Our calculator allows you to assess the viability of refinancing without contacting the bank. Check how much you could reduce your monthly instalment and how much you could save on interest.

Loan Consolidation Calculator

Calculate how combining multiple liabilities into a single loan will affect your monthly instalment. Consolidation helps bring order to your finances and can raduce costs of additional products.

Zobacz także

01/02/2026

Creditworthiness

Everything you need to know about creditworthiness. Mortgage Creditworthiness Calculator.

One of the first questions future borrowers ask is how much money banks may be willing to lend them. If you are asking yourself the same question, you are in the right place.