About the product

Real estate loan (mortgage loan) is a non-renewable loan for financing current needs of a business. The key collateral is the real estate owned by the company. If the possibility of managing finances in a long-term perspective is important to you and your business has been on the market for at least 2 years – then this is the solution for you.

The loan proceeds are usually assigned for purchase of materials needed for production and goods as well as for financing current payments to suppliers and other companies.


  • Relatively high loan-to-value ratio (even 60%).
  • Easy access to loan ― upon disbursement the entire amount is made available on the current account.
  • Additional money on the account permits punctual payment of liabilities during a temporary payment crunch (e.g. resulting from seasonality in the industry as well as other planned expenses).
  • Possibility of very long-term financing of working capital – even 10 years.
  • Even spreading of debt repayment over many years – both interest as well as principal will be repaid  every month.
  • In the first months after disbursement of the funds you can have principal repayment deferral. 

Support for companies

Bank Millennium and the EIB Group (European Investment Bank and European Investment Fund) support small and medium-sized enterprises affected by the effects of COVID-19.

Thanks to this cooperation and with the support of the European Guarantee Fund you will:

  • get funds for working capital
  • increase the financial liquidity of your company
  • increase your investment potential
  • receive favorable financial conditions

Who can benefit from this solution?

  1. Entrepreneur from the SME segment according to the EU definition.
  2. An entrepreneur who does not operate in sectors excluded from the support of the European Investment Bank.
  3. An entrepreneur whose activities and investments do not have a negative impact on the environment and are not ethically and morally controversial.
  4. An entrepreneur who does not benefit from other public aid, e.g. BGK guarantees, subsidies.
  5. An entrepreneur who obtains a positive creditworthiness assessment.

Detailed information can be obtained from the Corporate Banking Advisor.

Channels of access to product information


Wherever you are, with internet access, you can check account balances and history on a 7/24 basis, also viewing information concerning other products i.e.: cards, loans, guarantees and letters of credit, standing orders or term deposits.

Corporate Branch

Get detailed information about Bank Millennium products by contacting Advisors in the Corporate Banking network.

Contact with Advisor

By phone

Our Consultants will provide you with detailed information and will carry out your instructions. 

801 31 31 31
line available for fixed-line and mobile calls

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Questions and answers