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Mortgage Changes in 2026. What Can Borrowers Really Expect?
If I had earned one zloty for every time someone asked, “Will it be easier to get a mortgage in 2026?”, I’d probably have already paid off my own. Since I haven’t, the answer is the classic one: it depends. But don’t worry. Let’s break it all down step by step. This article is for you…
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If the new year is meant to be a time for financial order, it’s best to start with the basics.
If the new year is meant to be a time for financial order, it’s best to start with the basics. The beginning of a new year is often the first moment in a long time when people truly look at their bank accounts. We check what’s left, how much we managed to save and- often…
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Will Interest Rates in Poland Start to Fall?
As of May 6, 2025, the National Bank of Poland’s (NBP) main reference rate stands at 5.75%. This level has remained unchanged since October 2023. In recent months, inflation has significantly slowed, and the pace of economic growth has weakened. The Monetary Policy Council (RPP) has not yet decided on further rate cuts, but current…
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New Month, New Possibilities – Creditworthiness Analysis for February 2025
March is here, and many borrowers are wondering about their financial options. But before we look ahead, let’s summarize February 2025 and analyze which banks offered the best creditworthiness conditions. Which Banks Offered the Most? February 2025 Creditworthiness Ranking In February 2025, VeloBank stood out among other financial institutions, offering the highest creditworthiness in every…
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First Keys – The New Government Housing Program: Is It Worth the Wait?
Is this really the key to your own home? The government has announced a new program, “First Keys,” aimed at helping people without their own homes to purchase real estate. But will this really be a breakthrough for buyers, or just a pre-election promise with no real backing? Let’s take a closer look at what…
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Mortgage loan
What documents are required when applying for a mortgage? Individuals: ID card, income certificate (e.g., from the employer), employment contract, bank statements, property documents (e.g., notarial deed, land register extract). Entrepreneurs: Additionally, banks require financial documents of the company: certificates from ZUS and the Tax Office confirming no arrears, PIT forms from recent years, and…
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Your Creditworthiness – Do You Know How to Build It?
What do deferred payments have in common with a mortgage? Creditworthiness is like a financial barometer – it shows how banks assess your ability to repay a loan. It’s not just about what you’re doing now – it’s your entire financial history, built from the moment you start earning and spending money. But what if…
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Why Choose a Financial Expert Instead of a Bank Advisor?
Wondering who can best help you choose a loan? Let’s ask the question simply: do you prefer someone with one offer or someone with dozens? That’s how a financial expert works. It’s someone who looks at you and your situation individually, not through the lens of a table at a single bank. But don’t worry,…
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How to Prepare for a Meeting with a Financial Expert? Practical Tips to Speed Up Your Path to a Loan
Your First Meeting with a Financial Expert – What to Expect? A meeting with a financial expert is the first step towards achieving your goals: buying a home, refinancing a loan, or finding the best financial solutions. Did you know that proper preparation not only saves you time but also increases your chances of securing…
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What does the work of a Financial Expert involve?
Why is it worth getting to know a financial expert behind the scenes? The work of a financial expert often seems mysterious – after all, not everyone analyzes bank offers or negotiates mortgage terms daily. In reality, it is a profession that combines economic knowledge, interpersonal skills, and continuous learning. For clients, a financial expert…