Property Financing
Thousands of our clients use mortgage loans to make their dream of owning an apartment or house a reality.
J.W. Construction specialists will help you choose a loan with low interest rates, favorable repayment terms, and installments tailored to your financial capabilities.
Credit Service Department - Monika Grzywna
+48 502 497 542
m.grzywna@jwc.pl
Saving Your Time
Our experts will select the optimal offer, minimize loan acquisition costs, and shorten the waiting time for approval.
We will assist in preparing all necessary documentation for the bank and completing the formalities required for the loan application.
For certain properties, we can also advise on taking advantage of the Family Housing Loan (Rodzinny Kredyt Mieszkaniowy – RKM), a government program for those with creditworthiness but no personal contribution. The RKM is a preferential mortgage loan in which buyers can receive a guarantee of their own contribution from the Bank Gospodarstwa Krajowego. It is the only loan that rewards family growth, with partial loan repayment provided upon the birth of a second, third, or subsequent child.
Step-by-Step Guide to Getting a Mortgage
01
Creditworthiness Assessment
Evaluating your creditworthiness ensures maximum security for the transaction and estimates your financial capacity based on income.
02
Choosing a Property
Based on your financial possibilities, we match the offer to your needs and expectations.
03
Signing the Purchase Agreement
In accordance with the Developers’ Act, the purchase agreement is signed at a notary office.
04
Submitting Loan Applications
Documents are submitted to banks that meet the client’s requirements.
05
Selecting the Best Loan Decision
According to the Mortgage Credit Act, banks have a maximum of 21 calendar days to issue a decision from the moment a complete application is submitted.
06
Signing the Loan Agreement
The agreement is signed at the branch of the selected bank.
07
Loan Disbursement
After meeting any conditions, the bank transfers funds directly to the developer’s account. Additional funds for finishing works are transferred to the client’s account.
08
Receiving the Keys
Once the property is fully paid, an appointment can be scheduled to receive the keys.
09
Signing the Notarial Deed
After signing, the notary submits the application to register the property in the land and mortgage register.
10
Mortgage Entry
Submission of the application to register a mortgage in favor of the bank in the land and mortgage register, Section IV.
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sprzedaz@jwc.pl
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