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Polish Mortgage Loan  for Foreogners in Polish Bank Warsaw Real Estate properties in Poland
Polish Mortgage Loan  for Foreogners in Polish Bank Warsaw Real Estate properties in Poland Financial Advice Polish Mortgage Loan  for Foreogners in Polish Bank Warsaw Real Estate properties in Poland
Polish Mortgage Loan  for Foreogners in Polish Bank Warsaw Real Estate properties in Poland
Polish Mortgage Loan  for Foreogners in Polish Bank Warsaw Real Estate properties in Poland Polish Mortgage Loan  for Foreogners in Polish Bank Warsaw Real Estate properties in Poland Polish Mortgage Loan  for Foreogners in Polish Bank Warsaw Real Estate properties in Poland
Polish Mortgage Loan  for Foreogners in Polish Bank Warsaw Real Estate properties in Poland Polish Mortgage Loan  for Foreogners in Polish Bank Warsaw Real Estate properties in Poland Polish mortgage loan for foreigners propertis in Poland Warsaw Polish Mortgage Loan  for Foreogners in Polish Bank Warsaw Real Estate properties in Poland Polish Mortgage Loan  for Foreogners in Polish Bank Warsaw Real Estate properties in Poland

Polish Mortgage Loan  for Foreogners in Polish Bank Warsaw Real Estate properties in Poland
Polish Mortgage Loan  for Foreogners in Polish Bank Warsaw Real Estate properties in Poland
Polish Mortgage Loan  for Foreogners in Polish Bank Warsaw Real Estate properties in Poland
Polish Mortgage Loan  for Foreogners in Polish Bank Warsaw Real Estate properties in Poland
Polish Mortgage Loan  for Foreogners in Polish Bank Warsaw Real Estate properties in Poland
Polish Mortgage Loan  for Foreogners in Polish Bank Warsaw Real Estate properties in Poland
Polish Mortgage Loan  for Foreogners in Polish Bank Warsaw Real Estate properties in Poland
Polish Mortgage Loan  for Foreogners in Polish Bank Warsaw Real Estate properties in Poland

Polish Mortgage Loan  for Foreogners in Polish Bank Warsaw Real Estate properties in Poland Polish Mortgage Loan  for Foreogners in Polish Bank Warsaw Real Estate properties in Poland Polish Mortgage Loan  for Foreogners in Polish Bank Warsaw Real Estate properties in Poland



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Polish Mortgage for Foreigners

MORTGAGE

If you need finance to purchase a property in Poland, then E-Expert can help.
We are a team of licensed credit brokers, who have a knowledge and anexperience in this field. To may be able to raise a repayment mortgage on the Polish property you wish to purchase, depending on your circumstances.

Based upon the valuation or purchase price (whichever is lower) you can borrow up to 100% (of the value of your property) in Euros, US dollars, or Swiss Franks, for the purpose of purchasing the new property or re-mortgaging an existing property, for home improvements.

Almost all Polish mortgages are of the variable rate type, so interest rates are based on prevailing interbank rates plus the addition of the bank's profit margin (usually between 1-3%).

In recent years, the most popular loan currency in Poland by far has been Swiss Franks (CHF). There are obvious reasons for this popularity - you only have to look at the rates above to see its attractiveness when compared to other currencies.

Loans are available to foreign investors for the purchase, construction, modernization and refinancing of Polish properties.

Loans can be denominated in a number of different currencies - currently loans are offered in Euro (EUR), US$ (USD), Zloty (PLN), Sterling (GBP) and Swiss Franks (CHF).

For variable/floating rates, the interest rate is based on a variable base rate equal to WIBOR 6M (PLN), EURIBOR 6M (EUR) or LIBOR 6M (CHF, USD, GBP) which is then increased by the Bank's margin, which will depend on the period of the financing, loan currency and the Borrower's down payment amount.

The typical maximum LTV is between 60-80% with loan duration up to 35 years, depending on your age. Your foreign income will be taken into consideration when determining your eligibility and the terms of the loan.

In addition, some lenders are offering 'buy to let' mortgages which will take into account prospective rental income from the mortgaged property - see the information below.

Mortgages Available to Foreigners

Currency Options: EUR, USD, PLN, GBP, CHF
Term of Loan From 4 up to 35 years
Repayment Method Only 'Capital and Interest' repayment mortgages. Interest-only mortgages are not available.
Minimum Down Payment Ranges between 20-40% (i.e. Loan to Value between 60% and up to 80%)
Loan Amount Minimum of 20 000 PLN, maximum will depend on individual circumstances
Interest Rates Fixed or floating/variable

General Information

Resident's Card Not Required
Sanctioning Fee Between 1-3%
Foreign Incomes Are applicable. All loans need to be supported by proof of income.
Availability For the purpose of purchase, construction, modernisation and refinancing
Grace Period Short-term postponement of loan repayments granted with some loans
Polish Bank Account Required, though should be organised by lenders as part of the loan application
Loan/Bridging insurance Required in some cases until applicant's name has been entered into the Land and Mortgage Registry
Property Insurance Required in some cases
Currency conversion For non-PLN loans, some banks charge a currency conversion fee

 

Contact us today :

tel. +48 692 77 92 07

email: info@e-expert.org

 

DISCLAIMER
Figures and information provided on this website are meant purely as an indicator of the loan products available through our affiliated mortgage lenders. Specific questions, such as those regarding commission, redemption penalties and paperwork requirements, should be aimed directly at the mortgage lenders themselves.
Your home may be repossessed if you do not keep up repayments on your mortgage.
The value of your loan repayments under a foreign currency mortgage can fluctuate in value if your income is not paid in the same currency.
 


Contact us today:



Tel: +48 692 77 92 07


Email: info@e-expert.org

Office hours:
10am-6pm, Monday-Saturday. Warsaw is GMT +1.
If you need to speak us urgently please just leave a messagewith your name and phone number.
We will call you back as soon as possible.

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  Financial Advice  

Our aim is to provide our clients with the widest possible range of products.

Among the products that we offer to our clients are:


mortgage loan (e.g. housing loan, home equity loan)

debt consolidation

saving products

insurance




Finance Available Through
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Finance - Best Real Estate Agency 2006
 
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