Mortgage loans

A place of your own

See how we can help you with your property purchase

Legal note

Mortgage Loan calculator

The calculations concern Mortgage Loans and are for information purposes only. They contain illustrative data and are not binding.

The monthly payment is estimated with the assumption that the loan will be repaid in equal instalments and its final amount also depends on full assessment of credit capacity and satisfaction by the customer of remaining terms and conditions, which are essential for the mortgage loan to be granted.

Cost of credit and legal note

Why Bank Millennium

Attractive offer and professional support throughout the process.

0% commission for granting the loan
(APR 4,56%)

0% for earlier repayment

credit holidays once a year

  • 2017 Golden Banker

    2017 Golden Banker Award

    Second place in the mortgage banking category

  • 2016 Service Quality Star

    2016 Service Quality Star Award

    Holder of prestigious Service Quality Star

  • 2015 Newsweek’s Friendly Bank

    2015 Newsweek’s Friendly Bank Award

    The Winner in mortgage banking category

How to get
a Mortgage Loan?

  1. 1

    Apply for loan information at Bank Millennium. Attach income, collateral and credit purpose documents. More information about the attachments.

  2. 2

    You will receive initial credit decision.

  3. 3

    We will prepare an information form for you. It is an offer where you will find customised conditions for your Mortgage Loan.

  4. 4

    Upon receiving the form, you may apply for conclusion of a Mortgage Loan agreement. On the 21st day from filing your application, at the latest, you will get your credit decision. You may request an earlier submission of your decision.

  5. 5

    Along with the credit decision, you will receive credit agreement ready to be signed. You may sign the agreement on the conditions defined in the decision within the validity of your credit decision.

  6. 6

    Upon concluding the agreement and fulfilment of the conditions required for loan disbursement, the funds are disbursed. The money will be credited to your account or account of the seller of the property/developer.

Choose suitable product

  • Mortgage Loan

    to buy a flat, house or repay other housing loans

  • Home Equity Loan

    for any purpose, if you already have a property

  • Consolidation Loan

    to repay other credit liabilities

Prepare for the purchase
of real estate

  • If you select a property of your choice, for a safe purchase, you should check its legal status. Ask the owner for:

    • notarial deed of flat purchase (or member’s flat allocation),
    • number of the land and mortgage register (to review the register - KW),
    • non-default rent certificate.

    Based on, inter alia, these documents you will be able to verify the basic rights and encumbrance concerning a given unit. Should you have any doubts, ask your Relationship Manager at Bank Millennium for interpretation of the documentation.

  • Below you will find a list of questions which you should ask the seller.

    Remember that you are taking one of the most important decisions in your life and therefore do not be afraid to ask even the strangest questions.

    • Why has it been put on sale? The reason for sale may be an essential hint.
    • Who are the neighbours? Are these younger or older persons? You should analyse this issue in the long-term perspective – they are the people you will live with in the same building for the next few or more years.
    • Is the neighbourhood recognised as secure? The security issue is additionally important, if you have or are planning to have children.
    • How is the common property managed? The agreement may specify the management through outsourcing this function from a natural or legal person.
    • Does the unit have a basement, storage unit or garage? If so, what is its space? You should not rely solely on the information about its existence, but take a look yourself and evaluate its general condition.

  • When planning your budget, you must also think about the costs related to the purchase of the property, such as notarial fee, tax on civil law transactions, court fees, brokerage commission or commission for granting the loan. Remember, not all of them can be financed with credit.

  • Hide other questions See other questions


The target Mortgage Loan collateral at Bank Millennium are:

  • mortgage on residential property entered in the first place in favour of Bank Millennium
  • assignment of rights from the insurance policy against fire and other accidents
  • assignment of rights from the borrower’s life insurance policy with the Bank as the only beneficiary

Until mortgage is established a so-called interim loan collateral is established. At Bank Millennium a standard interim collateral is a commission for increased risk collected until the mortgage is established.

Loan with LTV (total amount of the mortgage loan to the value of securing property) above 80%, but not higher than 90%, can be granted exclusively with an additional collateral in the form of high LTV insurance.

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