In the March edition of the ranking mortgages prepared by experts TotalMoney.pl compared the cost of credit, which our client – a family of four – would have funded the purchase of four-room apartment with an area of 83 sqm., Which is located on the second floor on the outskirts of Bydgoszcz Bartodziej. The family now lives in Warsaw, but he wants to move to Bydgoszcz. Monthly net income of our clients are 7 612 zł.
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The apartment costs 425 152 zł. Due to the fact that our customers have their own measures, but they want to borrow from the bank 340 121.60 zł. The commitment they want to pay back over 30 years in equal monthly installments. Responded to the survey 14 banks. The ranking was determined by the amount of the total cost of the loan. We compared the loans from cross-sell.
On the podium of the March ranking mortgages were Bank BPH, PKO Polish Bank BGZ Bank and BNP Paribas.
At the top of the podium, with a total expense ratio of 207 932 zł defender and a mortgage loan granted by Bank BPH. The total cost of the loan in case of a bank include interest (179 901 zł), commission for loan (6 086 zł), insurance against death and disability and insurance for temporary inability to work, loss of job or a serious illness two borrowers (10 291 zł), the charge for insurance of real estate (341 zł), the fee for the valuation of real estate (300 zł), the fee for mortgage registration tax PCC (217 zł), the monthly account fee Maximum Account (19.99 zł per month) and commission for providing the credit limit and credit card service FAIR (10 zł per month), which gives the entire loan period 10 796 zł. Interest on the loan is calculated on the basis of the interest rate of 3.02% per annum. Commission for granting financing is 1.88%, and the monthly installment of the loan – 1 441 zł. The Bank expects that our customers will wear a personal account, sign an agreement for a credit card FAIR and will make the transactions in the amount of at least 500 zł and join the insurance against temporary disability, job loss or serious illness.
| ranking mortgages – March 2016 | ||||||
|---|---|---|---|---|---|---|
| Pos. | Bank | proposal online | Total cost of credit | Monthly rata | Oprocentowanie | Prowizja |
| 1 |  | Sprawdź credit | 207 932 zł | 1 441,00 zł | 3.02% | 1.88% |
| 2 |  | Sprawdź credit | 216 292 zł | 1 438.25 zł | 2.77% | 0.00% |
| 3 |  | Sprawdź credit | 226 818 zł | 1 544.44 zł | 3.59% | 3.00% |
| 4 |  | Sprawdź credit | 229 770 zł | 1 557.84 zł | 3.66% | 0.00% |
| 5 |  | Sprawdź credit | 230 376 zł | 1 545.33 zł | 3.36% | 2.00% |
| 6 |  | Sprawdź credit | 236 369 zł | 1 554,00 zł | 3.64% | 0.00% |
| 7 |  | Sprawdź credit | 241 576 zł | 1 579.02 zł | 3.77% | 0.00% |
| 8 |  | Sprawdź credit | 245 222 zł | 1 645,00 zł | 3.58% | 2.00% |
| 9 |  | Sprawdź credit | 248 800 zł | 1 583.31 zł | 3.78% | 1.99% |
| 10 |  | Sprawdź credit | 249 622 zł | 1 541,00 zł | 3.57% | 2.00% |
| Assumptions: 1) In the first year of repayment – 1 438.25 zł; from the second year – 1 536.56 zł | ||||||
The second position was placed housing loan PKO Polish Bank. Its total cost amounting to 216 292 zł consists of interest income (204 zł 347.37), insurance in case of job loss (11 zł 053.95) cost of mortgage (200 zł), tax PCC (19 zł), fees for assessment the value of real estate (400 zł) and property insurance (272.09 zł per year). In the first year of the loan monthly installment will amount to 1 438.25 zł, to the second year rise to 1 536.56 zł. In the first year of repayment of interest on the loan will be calculated based on the interest rate of 2.77% per annum (from the second year it will increase to 3.31% per annum). PKO BP expects customers opening an account for personal and supply it monthly amount of 5,000 zlotys, the signing of a credit card and joining the 4-year-old insurance against job loss.
The last place on the podium defended mortgage offered by the Bank BGZ BNP Paribas. In his case, the monthly installment is 1 544.44 zł, the commission for the award of a 3% of the loan and the total cost of the loan – 226 818 zł. It consists of interest income (215 874.43 zł), commissions for granting a loan (10 203.65 zł), the cost of mortgage entry (200 zł), the cost of the deletion of the mortgage (100 zł), changes in the cost of mortgages (150 zł), taxes PCC of mortgage (19 zł) and the valuation of real estate (270.60 zł). What do you expect in return the bank? Assumptions Very Personal Accounts (with the influence of at least 5 000 zł per month) and the payment card to the account.
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According to our rankings, in March, the best mortgage to go to Bank BPH. It is also interested in the offer of PKO BP and BGZ BNP Paribas. Our clients have not decided yet whether they want to buy an apartment in Bydgoszcz, or maybe build a house in Torun, but we’re going to help them make this decision, which is why today we invite you to read the April ranking of mortgage loans, which will check loans offer construction and housing to build a house.
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