Down Payment Calculator

The minimum down payment required by Polish banks is 10% of the property value. However, with a down payment below 20%, banks require low-LTV insurance (UNWW), which increases the cost of the loan.

LTV (Loan to Value) is the ratio of the loan to the property value expressed as a percentage. The lower the LTV, the lower the bank risk and the better the loan terms. At LTV above 80% (down payment below 20%) banks require UNWW insurance.

Save at least 20% of the property value as a down payment so that LTV does not exceed 80%. Some banks also accept an additional pledge on another property as a substitute.

UNWW insurance is typically charged as a 0.2–0.5 percentage point rate premium or a one-off fee. It applies until the outstanding balance falls below 80% of the property value.

Yes. A monetary gift from close family (parents, grandparents) is accepted as a down payment provided it is evidenced by a bank transfer and a declaration. In Poland, gifts from parents are exempt from gift tax if reported to the tax office within the legal deadline.

The most effective strategy: automatic monthly transfers to a savings account or term deposit, reduce discretionary spending and add extra income streams. Use the deposit calculator to plan how long it will take to reach your target.

Generally yes — a larger down payment reduces the loan balance, monthly payment, total interest and eliminates UNWW. Banks also offer better margins at lower LTV. The only argument for a smaller down payment is if you can invest the remaining funds at a return higher than the mortgage rate.

This is a government scheme (BGK guarantee) where the state guarantees up to 20% of the down payment, allowing buyers to purchase a home with 0% down. It comes with an additional guarantee fee and limits on property price and size. Check current conditions on the BGK website.

Yes. Higher down payment = lower LTV = lower credit risk = lower bank margin. The difference between margins at 10% and 30% down can be 0.3–0.8 percentage points, which on a large 30-year mortgage translates to tens of thousands in total interest.

For mortgage purposes, a certified property valuer prepares a valuation report (operat szacunkowy, approx. 500–1,000 PLN). The bank uses the lower of the purchase price or the market value from the report. Compare similar listings on Otodom or Gratka before signing a contract.