Summer siesta in promotional mortgage offers is at its best. Despite the July cuts of interest rates, the offers only changed slightly compared to the proposals from a month ago.
You can get a sore mistake at the same time and are right. To sum up at the beginning of July, promotional proposals of banks in mortgages, we doubted an imminent reduction in interest rates and predicted a summer apathy in the price lists. Cutting the feet, however, has become a reality … and siesta in banks is at its best.
At the beginning of August, the list of lenders promoting timely limited actions. Mortgage loans remain the same as a month ago. The rates twitched, but symbolically and it is difficult to talk about a clear direction. Here is a reduction, there an increase – this is how you can summarize the comparison with July. Let's check what borrowers can choose in.
In mBank margins slightly up
Promotion of loans with a variable interest rate in mBank
It has a new version. The action was named “from today at home edition 1”, and special conditions are valid until October 22, 2025. The bank does not charge a commission for granting financing. The customer must start life insurance and pay the premium for at least 5 years. The premium is 0.05 percent. debt balance. The conditions of the action vary depending on the customer's status.
The Intensive segment will include new and current customers who will meet the following conditions for 5 years from the launch of the first loan tranche:
- will join the insurance of life, health and loss of work and maintain an active contract (the condition must be met by at least one of the borrowers),
- They have a personal account of MKono Intensive, which is received by at least 10,000 PLN per month and which the installment will be repaid.
Customers from the Intensive segment can count on margin rates amounting to: 1.86 pp. (for LTV equal to 80 % or smaller) and 2.31 pp. (for LTV over 80 percent).
The Active segment will include new and current customers who will meet the following conditions for 5 years from the launch of the first loan tranche:
- will join the insurance of life, health and loss of work and maintain an active contract (the condition must be met by at least one of the borrowers),
- They have a personal account, which is received by at least 2.5 thousand. PLN per month,
Active customers can count on the promotional rates of the mortgage margin, which they amount to respectively 1.96 pp. (for a own contribution of at least 20 %) and 2.41 pp. (lower own contribution). The requirements are checked by the bank every six months. Failure to meet them means an increase in the margin by 2 pp.
The margins in the latest mBank promotion are slightly higher (by 0.02 pp) than in the previous action applicable until July 9.
mBank – a fixed interest rate on a clove down
mBank He also presented a new promotional campaign for supporters of periodically permanent interest rates – “permanently at home”. The conditions will apply until October 22, 2025, but the price lists are changed in a shorter cycle. On August 4, June, the rates are minimally (by 0.02 pp.) lower than month earlier.
Borrowers from the Intensive group can count on promotional interest rates in the first 5 years of repayment. It is 6.28 percent For loans with a own contribution equal to 20 percent or higher and 6.53 percent for other obligations.
In the first 5 years they receive interest rates in the first 5 years 6.38 percent (for a contribution of at least 20 %) or 6.63 percent (for a lower own contribution).
Discounts at PKO Bank Polski are still in force
PKO Bank Polski in July Special conditions for your mortgage loans extended. The interest rate is fixed reduced by 0.2 pp. for 5 years For information forms generated until September 30, 2025, this also applies to the price proposals of the digital mortgage.
Still at PKO Bank Polski, customers can take advantage of the offer under the slogan “their own angle new houses”. The offer includes a loan for the purchase of a house on the primary market, a house during construction or construction and its completion. The margin in this case is lower by 0.2 pp. from standard.
Choosing life insurance will receive commission reduction to 0.5 pp. Customers with a “Large Family Card” will receive a commission proposal reduced by half in relation to the standard offer. Zero commission also applies when refinancing a mortgage granted by another bank.
Alior Bank still encourages – “own where you”
At Alior Bank, another edition of the promotional campaign under the banner “own M where you” is underway. Date of validity? Until further notice. The loan amount must be between 100,000 PLN up to PLN 3 million. Additional conditions that participants must meet are:
- opening the account with a debit card and maintaining it throughout the entire loan period,
- Ensuring receipts on the account and performing payment transactions every month for min. PLN 300,
- Access to Alior Mobile mobile banking,
- Accession of life insurance and paying the premium for the first 5-year contract period.
In the case of the variable interest rate The commission for granting the loan is 0 percent and the margin 2.19 pp. or 2.39 pp. (with low own contribution insurance). In the script with a fixed interest rate, the interest rate is given for the client's information form, and the commission is 0 percent.
“Summer at home” at ING Bank Śląski
Until August 24 in ING Bank Śląski Once again, mortgage loans are promoted, this time under the banner “Summer at home”. The amount of the mortgage covered by the promotion must be between 100,000 PLN up to PLN 2 million.
The customer should also have or set up a personal account in a bank with a declaration of monthly revenues in the amount of PLN 2,000 before signing the contract for financing the bank. zloty. In addition, at least one person should conclude an individual insurance contract. An additional condition for participation in the promotion is agreeing to behavioral verification increasing the safety of using the transaction service. Each borrower should have access to online banking throughout the loan period.
On August 4, 2025, the permanent interest rate rates are:
- 6.36 percent in the “easy start” version (without commission),
- 6.31 percent in the “light installment” variant (with a 1.5 % commission).
Compared to proposals from the beginning of July The rates dropped by 0.09 pp. The commission remained unchanged.
Margin rates in a variable -percentage of promotion also fell compared to the previous edition of the promotion. They take it accordingly 1.80 pp. (“Easy start”) and 1.75 pp. (“Light installment”). It's 0.05 pp. less than in July.
Bank BPS continues the “Neighborhood” campaign
BPS Bank The period of the “Neighborhood” promotion was extended again. The date of completion of the promotion mentioned in the regulations is currently “until further notice”, but not longer than on September 30, 2025, borrowers can count on lower interest rates when additional conditions are met:
- Signing the ROR account contract. Your plan with a debit card and access to electronic banking.
- Conclusion of a life insurance contract for the entire loan period with the obligation to maintain for a minimum of 5 years with the insurance company cooperating with the bank and through the bank. The bank should be indicated as a beneficiary from the insurance policy.
- Conclusion of a real estate insurance contract with liability insurance in private life and maintaining it throughout the entire loan period.
The mortgage margin with a variable interest rate is 2.09 pp., A commission 0 percent In addition, it is possible to use a bonus for ecological investments. They are defined as real estate whose annual demand for non -renewable primary energy for heating, ventilation, cooling and preparation of hot utility water (EP indicator) is less than 63 kWh/(sq kw*year) for single -family buildings, 58.5 kWh/(sq m*year*year) for premises in multi -family buildings. The promotional margin for the first 6 months of repayment is 0 pp in such a scenario.
Bank BPS also offers a fixed interest loan. As at August 3, 2025, the permanent interest rate in the promotion was 6.15 percent And it was 0.04 pp. lower than a month earlier.
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