Property-secured loan — offer comparison 2026
A property-secured loan (pożyczka hipoteczna) is a loan backed by a mortgage on a property you already own, for any purpose. Amounts from PLN 30,000 to PLN 500,000, interest from 7% per year, repayment up to 25 years. Cheaper than a cash loan thanks to the collateral.
Compare property-secured loans from banks and financial institutions in Poland. Borrowing against a property lets you obtain a higher amount at a lower interest rate than a cash loan. Check the conditions and find the best offer.
Property-secured loans — April 2026
Comparison of the best property-secured loans in Poland.
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Pożyczka hipoteczna
bezpłatnie porównamy pożyczki z 20 banków
* Offers shown come from partner companies. Loan costs depend on the selected bank, amount and repayment period. Read the terms on the lender's website before signing any agreement.
How to take out a property-secured loan?
A guide to the process of getting a loan backed by a mortgage.
- 1
Assess the property value
The bank will commission a property valuation. The loan amount depends on the appraised value.
- 2
Compare offers
Check APR, fees and conditions of property-secured loans on kreddo.pl.
- 3
Submit an application with documents
Prepare: proof of ownership, income statement, extract from the land register.
- 4
Sign the contract
After a positive decision, sign the loan contract and the notarial deed establishing the mortgage.
See also
People also ask
Is a property-secured loan safe?
A property-secured loan carries the risk of losing the property in case of non-payment. The bank may initiate foreclosure. Before borrowing, make sure the instalment does not exceed 30–40% of your income.
Who can get a property-secured loan?
This type of loan is available to property owners with a clean legal status (clean land register). You also need sufficient creditworthiness and regular income.
Frequently Asked Questions
What is a property-secured loan?
A property-secured loan (pożyczka hipoteczna) is a loan backed by a mortgage on a property you already own, available for any purpose. Unlike a mortgage loan, you do not have to buy a property — you can use the funds for renovation, debt consolidation or other needs.
How much can I borrow against my property?
The loan amount depends on the value of the property used as collateral. Banks typically finance up to 60–80% of the property value, with amounts ranging from PLN 30,000 to PLN 500,000.
What is the interest rate on a property-secured loan?
Interest rates range from 7% to 12% per year and are lower than cash loan rates because the property serves as collateral. APR depends on the bank and repayment period.
What is the repayment period?
Repayment periods range from 5 to 25 years. A longer period means a lower instalment but a higher total cost of the loan.
Property-secured loan vs mortgage loan — what is the difference?
A mortgage loan is purpose-specific — for buying or building a property. A property-secured loan can be used for any purpose but is secured by a mortgage on a property you already own. A mortgage loan has lower interest rates.