publication
2026-03-06 06:00
At a snail's pace, but down. Mortgage loans with periodically fixed interest rates are becoming cheaper for the next month. Another symbolic boundary may soon appear in price lists. Rates are approaching 5.5 percent.
Exactly a year ago, the number seven still reigned supreme on the mortgage loan market with periodically fixed interest rates. At that time, few banks offered rates much lower than 7 percent, and a series of interest rate cuts were just about to begin.
Today we are in a completely different place. The 5.5% threshold appears in the crosshairs. Almost all institutions offer lower rates than in February. Although the scale of the cuts resembles more precise scalpel operations than a serious discount, the direction remains favorable for those interested in financing.
Who do banks prepare simulations for?
In the ranking, we present bank proposals for the “two plus one” family living in Warsaw. Profile clients buy a 55-square-meter apartment on the secondary market costing PLN 740,000. zloty.
We assume that borrowers have a total of PLN 15,000 at their disposal every month. zloty. A 29-year-old woman is employed under an employment contract for an indefinite period and earns PLN 8,000. PLN net. Her 32-year-old partner has a similar situation, but slightly lower earnings – PLN 7,000. PLN per month. The couple is not currently repaying any loan obligations, and the borrower history recorded in BIK does not contain any negative entries.
We assume that customers are willing to use additional products in exchange for better loan terms. The simulations presented by banks therefore assume cross selling.
The cheapest loans with a 20% own contribution and a periodically fixed interest rate
The table presents the banks' proposals for the scenario in which the loan amount is PLN 592,000. zloty. We assume that clients make an own contribution of 20%. real estate value (PLN 148,000). We include proposals for both regular and new customers if the bank differentiates its offer for people who previously had an account and regular inflows.
|
Loan for PLN 592,000, for 25 years, LTV 80%, periodically fixed interest rate (for profile borrowers) |
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|---|---|---|---|---|---|---|
|
No. |
Bank |
Interest |
Margin |
Installment (1) |
Total cost of credit (2) |
APR (3) |
|
1. |
Santander Bank ASK |
5.55% |
1.70% |
PLN 3,653 |
PLN 521,028 |
6.10% |
|
2. |
BNP Paribas Bank ASK |
5.75% |
1.75% |
PLN 3,724 |
PLN 522,067 |
6.47% |
|
3. |
ING Bank Śląski ASK |
5.75% |
1.70% |
PLN 3,717 |
PLN 530,953 |
6.21% |
|
4. |
Crédit Agricole ASK |
5.60% |
1.65% |
PLN 3,670 |
PLN 535,713 |
6.25% |
|
5. |
BPS Bank ASK |
5.65% |
1.69% |
PLN 3,688 |
PLN 539,251 |
6.07% |
|
6. |
Bank Pekao ASK |
5.71% |
1.60% |
PLN 3,782 |
PLN 541,454 |
6.22% |
|
7. |
Velo Bank ASK |
5.84% |
1.85% |
PLN 3,756 |
PLN 545,438 |
6.16% |
|
8. |
Alior Bank ASK |
5.770% |
1.99% |
PLN 3,731 |
PLN 548,175 |
6.44% |
|
9. |
PKO BP – regular customer ASK |
5.92% |
1.86% |
PLN 3,787 |
PLN 555,297 |
6.32% |
|
10. |
Bank Millennium ASK |
5.65% |
2.00% |
PLN 3,688 |
PLN 558,727 |
6.29% |
|
11. |
PKO BP ASK |
6.02% |
1.96% |
PLN 3,823 |
PLN 566,181 |
6.43% |
|
12. |
BOŚ ASK |
6.23% |
2.45% |
PLN 3,897 |
PLN 585,928 |
6.63% |
|
(1) Monthly installment equal after paying for bridging insurance. (2) The total cost of the loan is the sum of interest, commission, cost of bridging insurance, low deposit insurance and the cost of other insurance, excluding real estate insurance. The cost is based on simulations prepared by banks. (3) Actual Annual Interest Rate provided by the bank in the simulation. Source: Bankier.pl based on information from banks, March 2-5, 2026. |
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At the top of the list, ranked according to the total cost of the loan, were the proposals of Santander Bank, BNP Paribas and ING Bank Śląski. Compared to February, the average rates offered by banks decreased by 0.06 percentage points. Changes can also be seen in the parameters hidden in the background, i.e. margins offered after the fixed rate period. In four banks, the margin is lower than a month ago. This confirms a trend that attracts more attention in variable-rate mortgage variants – lenders have recently been competing more fiercely for customers.
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