Harveo

10/12/2025

Stało się. Twoja rata może właśnie spaść nawet o 30% ❗️🤯
Przygotowałem dla Was szybki i konkretny przewodnik, który pokazuje, jak wykorzystać zmiany po najnowszej decyzji RPP.

Co w środku?
💡 Profesjonalny kalkulator oszczędności — sprawdź w kilka sekund, ile możesz zyskać
📉 Nowe oferty stałego oprocentowania już od 5,53%
📑 Aktualne zasady i wymagania banków, dzięki którym łatwiej ocenisz swoje możliwości

Podeślij znajomym 🤝 — niech też skorzystają z okazji na niższe raty.

📉 Alert Refinansowy (9 grudnia 2025): Nowe okazje na stałej stopie Jest 9 grudnia 2025 roku. Rynek wysyła jasny sygnał: "okienko transferowe" dla kredytów hipotecznych jest szeroko otwarte. Jeśli obsługujesz kredyt zaciągnięty w szczycie inflacji (2021–2024), trzymanie się starej umowy...

09/12/2025

A complete, data-driven guide for expats in Poland 🇵🇱🌍 covering all the latest refinancing updates after the recent RPP decision.

Inside, you’ll find a fully detailed breakdown of:

💡 practical steps to check your savings potential — monthly instalments can now drop by up to 30% ❗️🤯, delivering substantial savings.

📉 new fixed-rate opportunities from 5.53%
📑 updated bank rules and restrictions
🛂 residency & citizenship requirements that now determine eligibility

Please share it with your friends 🤝 so more expats can stay informed and take advantage of the new opportunities now emerging on the Polish mortgage market.

Mortgage Loan Refinancing Ranking December 2025. Fixed rate drops to 5.53%! See the best offers, check the profitability of refinancing, and download the PDF report.

05/12/2025

The December Mortgage Ranking for Expats is live, and the news is genuinely good! 🥳

📉 We are finally seeing fixed rates drop significantly, starting from 5.48% on EKO offers. This creates an opportunity not just for new buyers, but especially for those who signed their mortgages recently: you can now look into refinancing to lower your monthly payments.

To make this practical, I’ve included our new custom calculator inside.

🧮 No guessing—just plug in your numbers to see exactly how much you could save in your specific case.

I’ll keep monitoring the market and updating you here as promised. Any questions on the math or the offers?

💡 Let me know in the comments if you have specific questions about the refinancing process in Poland, happy to share what I know.

Mortgage Loan Ranking December 2025. Fixed rate drops to 5.48%! See the best offers, check the profitability of refinancing, and download the PDF report.

10/10/2025

🇵🇱 Big mortgage shift in Poland — a short brief for Expats. Finally some good news for borrowers! 📉✨
🏡 If you’re paying or planning a mortgage here, this one’s worth reading. 🙌

📊 Many of you have been waiting since 2022 for a moment like this — and it finally looks like it’s here.
As always, you can count on me if you have questions — happy to share insights or explain how these trends may affect your situation. 💬🤝

After months of high costs, things are finally moving the right way. 📉
Following the latest decision by the Polish Monetary Policy Council (RPP), we can clearly see WIBOR rates trending down:
• 1M ➜ 4.72%
• 3M ➜ 4.53%
• 6M ➜ 4.46%

This is a natural market reaction to lower interest rates — and a strong signal that banks may soon update their fixed-rate offers.
If the trend holds, by the end of October 2025 we could finally see 5,X% “a five in front” on fixed-rate mortgages — the first time since 2022! 🙌

💬 Global context:
Meanwhile, the world economy looks tense — 💵 the dollar to PLN seems strengthening, 🪙 gold just broke $4,000/oz, and rising commodity prices could keep inflationary pressure alive.
According to classical models (Mundell–Fleming, Balassa–Samuelson), that mix often pushes import prices higher, and let’s not forget about expensive energy costs — a reminder that this calm might not last forever. ⏳

🧮🔥 You also with many requests motivated me to create especially for Expats (all in English) own custom calculator from scratch, showing refinancing and calculations in a super simple way:
• how much you save monthly,
• after how many weeks a refinance pays off in your particular case,
• and what’s effectively the difference looks like for your loan amount.

👉 https://harveofinance.com/refinancing-calculator/

Have a great weekend,
Jacob 😊🤝

If there’s anything you’d like to understand better about how things work in Poland — whether it’s mortgages, property law, or finance in general — drop me a note, I’m happy to help. 🙌

⚖️ You have the right to a lower rate When the market offers a better rate, you can take advantage of it — and right now, that’s the case.

07/05/2025

📉 Polish Monetary Policy Council (RPP) slashes interest rates – time to cut your mortgage payments! 🏠💸

🚨 Big news: the Monetary Policy Council (RPP) has made a surprise decision – interest rates have been sharply reduced after a long period of stability!
💥 This could mean lower monthly payments for you – but only if you take action now (when you're on fixed rate).

💬 Message me if you want to:
✅ 🔻lower your monthly mortgage rate
✅ refinance your loan with better conditions
✅ get free expert advice tailored to your financial goals

More info and contact:
https://harveofinance.com/eng/

📲 DM me or drop a 💬 in the comments – I’ll get back to you personally!
⏳ Opportunities like this don’t come often – let’s make it work for you.

22/04/2025

Hi 😊 Fresh Mortgage Update for Expats in Poland.
Top offers now at 6.0–6.1% — with potential savings of over 1,500 PLN / month📉✂️

(Full comparison in PDF attached in the article)

Some banks have just introduced noticeably lower fixed rates — if you’re thinking about refinancing or applying for a mortgage soon, this might be a good moment to take a closer look.

📌 Stay tuned — I’ll be posting more updates soon, especially with the upcoming Monetary Policy Council meeting. A potential cut in the reference rate could lead to further drops in WIBOR… and more savings for borrowers.

Good news travels fast — and this weeks brings a fresh wind!Polish banks have shaved another notch off their 5‑year fixed mortgages, with BNP Paribas now quoting 6.00 % on its “Green Mortgage – Spring 2025” promo. If I good remember, that’s the first time we’ve seen a round 6.0 % since...

09/04/2025

Good Morning everyone!
I’ve put together a quick, practical article for you on the latest mortgage rate drops — tailored both for those who already have a loan and those preparing to get one. It's all in English.
Hope it brings some clarity and saves you again a lot of money. Happy reading! 😊

Hey there! It’s been a while since my last update, but I’ve got fantastic news to share this week: several banks have rolled out brand-new mortgage offers that could mean lower monthly payments and better terms for you. Why the silence until now? Well, for the past few months, rates were stuck o...

08/01/2025

🎉 Happy New Year 2025! 🥂🍾☺️
We’re kicking off the year with some topic ideas we think might help you navigate mortgages and buying property in Poland. 🏡

Here’s what we’ve come up with so far:

1️⃣ Paying Too Much on Your Mortgage? Learn How to Lower Your Monthly Payments
2️⃣ Challenges Expats Face When Applying for a Mortgage in Poland
3️⃣ The 0% Government Mortgage Program: Postponed Again or Gone for Good? What Now?
4️⃣ How to Get a Mortgage in Poland – Tips to Improve Your Chances
5️⃣ Buying a Home in Poland – What Expats Need to Know

💬 Which of these topics is most helpful for you? Or is there something else you’d like us to cover? Drop your thoughts below!

For Expats in Poland. 16 years of mortgage experience. Personalised approach. Full transparency. 0% commission. 26 banks. We guarantee minimal paperwork and comprehensive support – from educational meetings to property purchase finalisation and after-sales care. 100% English service available. Mor...

12/08/2024

Nowość z dzisiaj! 📉🏠

Mam dla Was z rana świetną wiadomość! 😊Nastał w końcu czas na przeniesienie kredytu hipotecznego do tańszego banku. Oprocentowanie kredytów hipotecznych spadło w jednym z banków do 6,73%! 🎉

To pierwszy raz od pół roku, kiedy możemy zobaczyć 6 z przodu w już kilku korzystnych ofertach bankowych!

Co istotne
✅ Nie musisz czekać pełnych 5 lat do końca Twojego aktualnego wysokiego oprocentowania stałego, refinansowanie dostępne jest w dowolnym momencie!
✅ 0% za zmianę banku i wcześniejszą spłatę w nowym już od 1 dnia
✅ Nasza usługa jest dla Ciebie kompletnie bezpłatna

Od dziś możecie skorzystać z tej super okazji zarówno na nowe kredyty hipoteczne, jak i na refinansowanie już istniejących. 📅

Dlaczego warto?
💰 Niższe raty miesięczne – więcej pieniędzy zostaje w twoim portfelu.
📈 Korzyści finansowe – oszczędzasz na odsetkach przez cały okres kredytowania.

Nie przegapcie tego! Skontaktujcie się z nami i dowiedzcie się więcej o nowych warunkach kredytowych.

📅 Umów się na bezpłatną konsultację już dziś!
📞 +48 12 352 12 12
💻 https://harveofinance.com/optymalizuj-kredyt/

Do usłyszenia! 😊

25/07/2024

📢✨ Dołącz do naszego Zespołu Finansowego jako Broker Nieruchomości Premium!

Szukamy ambitnych i zmotywowanych osób, specjalizujących się w nieruchomościach. Jeśli jesteś komunikatywny, lubisz pracować z ludźmi i szukasz elastycznej pracy freelancera, to jesteś osobą, której szukamy! 🗣️💼

O Firmie:
Jesteśmy dynamiczną firmą w branży finansowej, oferującą szeroki zakres produktów kredytowych. Naszą misją jest wspieranie naszych klientów w realizacji ich marzeń o posiadaniu własnej nieruchomości. 🏠💡

Obowiązki: 📋
Nawiązywanie kontaktów z potencjalnymi klientami zainteresowanymi kupnem, sprzedażą lub wynajmem nieruchomości 🤝.
Prowadzenie klientów przez proces zakupu, sprzedaży lub wynajmu nieruchomości.
Dostarczanie klientom informacji o warunkach rynkowych, cenach i kredytach hipotecznych.
Przygotowywanie i prezentowanie ofert, umów oraz innych niezbędnych dokumentów.

Wymagania: ✅
Doświadczenie w branży nieruchomości 🏦.
Doskonałe umiejętności komunikacyjne i interpersonalne 🗣️✨.
Silne umiejętności negocjacyjne i zdolność skutecznego zamykania transakcji.
Samo-motywacja i umiejętność pracy samodzielnej.

Co Oferujemy:
Atrakcyjne wynagrodzenie prowizyjne - zależne od efektywności i skuteczności pracy, a nie od czasu jej trwania.
Elastyczne godziny pracy - dopasuj pracę do swojego życia, a nie odwrotnie.
Możliwość pracy zdalnej - pracuj z dowolnego miejsca na świecie, dosłownie.
Wsparcie - zapewnimy Ci wszystkie narzędzia i wiedzę potrzebną do odniesienia sukcesu w branży nieruchomości.
Chcesz dowiedzieć się więcej? Skontaktuj się z nami już dziś i dołącz do naszego zespołu! 📲

Lokalizacja:
Nasze biura klasy A znajdują się w Krakowie, Warszawie i Gdańsku, z możliwością pracy hybrydowej lub w pełni zdalnej.

Jak Aplikować:
Wyślij swoje CV na adres [email protected] do końca sierpnia 2024.
Dołącz do nas i pomóż klientom realizować ich marzenia o posiadaniu własnej nieruchomości! 🚀

25/07/2024

📢✨ Join our Finance Team as a Real Estate Broker! 🌟

We are looking for ambitious and motivated Expats in Poland specializing in real estate. If you are communicative, enjoy working with people, and are looking for a flexible freelance job, then you are who we are looking for! 🗣️💼

About the Company: We are a dynamic company in the financial industry, offering a wide range of credit products. Our mission is to support our clients in realizing their dreams of owning their own property. 🏠💡

Responsibilities: 📋
Establishing contacts with potential clients interested in buying, selling, or renting real estate properties 🤝.
Guiding clients through the process of purchasing, selling, or renting properties.
Providing clients with information on market conditions, prices, and mortgages.
Preparing and presenting offers, contracts, and other necessary documents.

Requirements: ✅
Experience in the real estate industry 🏦.
Excellent communication and interpersonal skills 🗣️✨.
Strong negotiation skills and the ability to close deals effectively.
Self-motivated and able to work independently.

What We Offer:
Attractive commission-based remuneration - dependent on effectiveness and efficiency of work rather than time spent.
Flexible working hours - fit work into your life, not the other way around.
Ability to work remotely - work from anywhere in the world, literally.
Support - we'll give you all the tools and knowledge you need to succeed in the real estate industry.
Want to find out more? Contact us today and join our team! 📲

Location:
Our class A office buildings in Krakow, Warsaw, and Gdansk, with the possibility to work hybrid or fully remote.

How to Apply:
Send your CV to [email protected] by the end of August 2024.
Join us and help clients realize their dreams of owning their own property! 🚀

19/07/2024

📢✨ Join our Finance Team as a Customer Acquisition Specialist! 🌟

We are looking for ambitious and motivated Expats in Poland to work with us on customer acquisition for our office specializing in mortgages. If you are communicative, enjoy working with people and are looking for a flexible freelance job, then you are who we are looking for! 🗣️💼

About the company: We are a company in the financial industry, offering a wide range of credit products. Our mission is to support our clients in realizing their dreams of owning their own property.🏠💡

Responsibilities: 📋
- Establishing contacts with potential clients interested in a mortgage or refinancing their current loan 🤝.
- Acquisition of new business partners e.g. (property developers, real estate agencies, accounting offices)

Requirements: ✅
- Experience in sales
- Preferred background in the financial or real estate industry 🏦.
- Excellent communication and interpersonal skills 🗣️✨

What we offer:
- Attractive commission-based remuneration - dependent on effectiveness and efficiency of work rather than time spent
- Flexible working hours - fit work into your life, not the other way around.
- Ability to work remotely - work from anywhere in the world, literally.
- Support - we'll give you all the tools and knowledge you need to succeed in the finance industry.

Want to find out more? Contact us today and join our team! 📲

Location: Our class A office buildings in Krakow, Warsaw and Gdansk, possibility to work hybrid or fully remote.

How to apply: Send your CV to [email protected] by 15 August 2024.
Join us and help clients realize their dreams of owning their own property! 🚀