Platinum Eye works as an independent agent specialising
in personal finances. Our goal is to provide our clients
with a full range of products.
We will acquaint ourselves with your financial situation and answer your questions
We will check and compare the offers of the premier financial institutions in Poland
Our experts will prepare the documents and negotiate the best offer
The expert will take care of a safe finalization of the process
We deal with all the formalities, collect all the documentation. We will check your credit capacity. Taking out a mortgage, a cash loan, purchasing a property, choosing insurance is a complex process, which invlolves a thorough analysis and preparation, both on the side of a financial institution and you at all stages. Neither a financial institution nor you can make a mistake. Sometimes even a minor one can cost a fortune. You can get through this process calmly and safely. All you have to do is employ our financial experts.
There are no additional payments or hidden cost. We are payed by financial institutions. Why? This solution lessens the cost on their side. Moreover, we will negotiate the best terms for you. We use proven negotiating strategies, which have been developed for years.
We are aware of your busy schedule, that is why our experts are mobile and will help you complete all the formalities. We will talk business and money wherever and whenever you want.
Convenient, isn't it?
NOVELTY! Video chat available without leaving your house.
Do you have an employment contract and live in Poland? - the task of getting a mortgage couldn't be easier. If you receive your salary in PLN, it means you pay your taxes in Poland. All you need to arrange a loan is a valid passport or ID, a residence card and a residence address certificate along with PESEL number (national identity number).
The task becomes a little bit more tricky if you live and work abroad. According to the Polish law, the currency of a mortgage loan should match the currency of income. In Poland, mortgages are available only in five foreign currencies: EUR, GBP, USD, SEK, NOK. The ideal situation would be if a client had any ties with Poland, e.g. a spouse or a partner with whom they can apply for a mortgage. The mandatory term, however, is PESEL number, which can be obtained only if you have a temporary or permanent address in Poland. Taking out a mortgage is doable, although there will be limitations in bank offers.
Note that a mortgage loan does not come entirely for free. You must be prepared to dip into your savings for initial fees. A maximum percentage of the bank's input into your loan is 90% (LTV), which means you will need to cover at least 10% of the property value. (In case of a foreign currency LTV is a minimum of 80%). Another cost is an arrangement fee and a comission fee, which vary among bank offers. Last but not least, there are notarial, property valuation and insurance fees. Additionally, for a purchase in a secondary market one must be prepared for the cost of tax on civil law transactions (PCC) charged 2% of the purchase price.
The good news, though, is that our experts provide services that are free of charge. Every client needs to be considered individually. Do not hesitate to contact our mortgage brokers, who will be happy to walk you through the details of cooperation, and will assess your credit capacity for free!