Nominal rate vs APRC, bank margin plus WIBOR, the 1M/3M/6M cycles, why your instalment doesn’t drop the moment rates are cut, fixed vs variable, EURIBOR and POLSTR — and a simple way to estimate the interest yourself.
A credit card is money lent by the bank with deferred payment. Billing cycle, interest-free period, the minimum-payment trap, costs and how the limit affects your creditworthiness.
„Non-bank” doesn’t mean „illegal” — but it can mean expensive. When a non-bank loan is a sensible move, when to run, what it really costs, the traps to avoid and your rights as a consumer.
In-store „0% credit” is sometimes a genuine gift and sometimes the cost just hides elsewhere. One simple test and a checklist to tell them apart before you sign.
There’s no single cheapest bank — only the one that fits your income, your down payment and your goals. Why touring branches wastes time, how the ‘lowest instalment’ misleads, when to file several applications, and how an expert helps.
Is a mortgage advisor really free — and if so, who pays for it? An honest look at how mortgage advice works in Poland, what to watch out for, and how to choose a reliable advisor.
How many years should you take a mortgage for? How inflation eases the real burden of debt, why the interest-rate type matters, and a comparison of the 15–20, 25–30 and 30–35 year terms.
Is life insurance mandatory with a mortgage in Poland? When the bank can require it, how cross-sell ties it to the loan, when a policy is worth taking voluntarily — and when it isn’t.
