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 1.89% or commission fee from 0%
  • The offer is also available as 5 Year Fixed

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

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.

Have you just taken a Citi Handlowy mortgage product?

Check important information for
Citi Priority/CitiKonto account > 
or Citigold account > clients!

List of required documents

Commonly asked questions


I’m looking to buy a luxury apartment, available now


If you are thinking of buying a real estate – now is the best time


Home loan or rent? The answer is not that simple.


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.


The websites of Bank Handlowy w Warszawie S.A. use cookies to ensure the best Citibank Online user experience and collect the data which allow us to optimize the use of our websites optimization and deliver the best marketing experience. If you do not want to install them, go to the settings section in your browser. click here to learn more.