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We have a special offer for You

Customers who submitted a consumer loan application between 1.10 and 30.11.2025 will have a fixed interest rate of 8.9% (7.9% with loan protection insurance) per annum and a contract fee of 0 euros, except for the purposes of "loan refinancing", "real estate purchase", "purchase of solar panels" and "increasing home energy efficiency".


The above offer is not binding on the bank and obtaining a loan depends on your ability to pay.

Home purchase or construction

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Home loan

  • Loan amount starting from 15,000 euros
  • Term up to 30 years
  • Interest rate 3-, 6-, or 12-month EURIBOR + individual interest margin
  • Contract fee 0.4% of the loan amount, min 190 euros
  • Self-financing from 15%
  • Real estate collateral is required
  • Home insurance is required

It is possible to get PZU Home insurance, and together with the loan agreement, SEB Loan Protection.

Home small loan

  • Loan amount 5,000−40,000 euros
  • Term from 6 months to 7 years
  • Interest rate from 6.9%
  • Contract fee 1% of the loan amount, min 75 euros
  • Self-financing is not required
  • Collateral is not required
  • Home insurance is not required

It is possible to get PZU Home insurance, and together with the loan agreement, SEB Loan Protection.

The loan amount depends on your financial ability to repay the loan: 

  • up to €25,000 (if you apply alone) 

  • up to €40,000 (if you apply with co-applicant)