Our products

Mortgage Loan

  • Financing of a primary market property (erected property) or a secondary market property
  • Refinancing of a home loan taken with other bank
  • Loan amount up to PLN 3,000,000 (up to 80% of the property's value)
  • No fee for earlier repayment
  • Margin from 1,79% or commission fee from 0%
  • The offer is also available as 5 Year Fixed

for a home loan secured by mortgage.

for a home loan with periodically fixed interest rate, secured by mortgage.

Home Equity Loan

  • Financing for any purpose, consolidation of other loans
  • Loan amount up to PLN 2,000,000 (up to 70% of the property’s value)
  • Long repayment period - up to 20 years
  • No fee for earlier repayment
  • The offer is also available as 5 Year Fixed

for a mortgage loan secured by mortgage.

for a mortgage loan with periodically fixed interest rate, secured by mortgage.

How to get a mortgage?

We will call you back to arrange a meeting with our advisor.Order a phone call

We will prepare an individual offer for you.

Meet our advisor and apply for a loan. Attach documents about your income, security and purpose of the loan.

We will let you know whether you have been initially accepted for the loan within only 4 days following the application!

After signing of the loan agreement and meeting all the conditions required for the loan disbursement, the money will be paid out.
List of required documents

Update - The European Commission has appointed a replacement for the CHF LIBOR3M rate

Pursuant to the Commission Implementing Regulation (EU) 2021/1847 of October 14, 2021 on the designation of the statutory replacement for certain maturities of the LIBOR rate for the Swiss Franc (CHF LIBOR), as a replacement for the CHF LIBOR3M a 3-month SARON compound rate ((SAR3MC) ISIN CH0477123902) with a corrective spread (%) of 0.0031 was designated
The full text of the Implementing Regulation can be found here.

Citi Handlowy wishes to inform you that on March 5, 2021, the UK’s Financial Conduct Authority (FCA) published a release announcing, among other things, the cessation to provide the following LIBOR benchmark settings published by ICE Benchmark Administration (IBA), an authorized administrator of the benchmark:
Name Dates Cessation date
LIBOR CHF O/N, 1W, 1M, 2M, 3M, 6M, 12M as of 31/12/2021
LIBOR EUR O/N, 1W, 1M, 2M, 3M, 6M, 12M as of 31/12/2021
LIBOR GBP O/N, 1W, 2M, 12M as of 31/12/2021
LIBOR JPY S/N, 1W, 2M, 12M as of 31/12/2021
LIBOR USD 1W, 2M as of 31/12/2021
LIBOR USD O/N, 12M as of 30/06/2023

What does FCA’s announcement entail?
Cessation of the publication of specific LIBOR benchmarks, including LIBOR 3M for CHF after the above dates means that there will no longer be a current value of the benchmark to determine, for example, the current interest rate or the amount payable under the agreement.
The banking sector is monitoring the situation on a regular basis. Banks are working on the implementation of adequate emergency solutions, including contractual and operating solutions to prepare the contractual relationships for the cessation to provide the above benchmark settings.

New powers of the European Commission
Furthermore, please be informed that, pursuant to BMR1, the European Commission, on the terms set forth in the regulation, has the power to designate, among others, a replacement benchmark if the cessation of the publication or liquidation of a benchmark may result in significant disruption in the functioning of financial markets in the EU.
On March 23, 2021, according to the announcement of the UK’s FCA, the European Commission launched a public consultation regarding designation of the replacement rate for Swiss franc LIBOR.
The consultation is available HERE
We will keep you informed about the further developments concerning the above issue.
You can find the full announcement of the UK’s FCA HERE
The announcement of the Office of the Polish Financial Supervision Authority (KNF) is available HERE

Commonly asked questions


When to buy your first apartment and what to pay attention to?


Creditworthiness - what crosses it and what to do to make it greater?


Can a mortgage be transferred? All about mortgage refinancing


Approval of your loan application and the amount of the loan are subject to your positive credit score assessed by Bank Handlowy w Warszawie S.A.

The above calculations have been made for reference purposes and they do not constitute an offer according to Article 66 of the Civil Code.


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