Dlaczego kredyt hipoteczny w Polsce jest droższy niż w Niemczech?

Mortgage in Poland: 7-8% interest. In Germany: 3-4%. Why do Poles pay twice as much for the same apartment? In this video, I break down 5 specific reasons—and it's not "because Poland is poorer." It's math, politics, and a system that's robbing you. CFDs are complex instruments and carry a high risk of losing money rapidly due to leverage. 74% of retail investor accounts lose money. [Advertising partnerships] Investing is risky. Invest responsibly. The channel partner is XTB—link to sign up below. https://geolink.xtb.com/D0jQ0 Showing: → NBP vs. EKB interest rate – the foundation of the difference → Bank tax – a cost German banks don't have → Polish vs. German government bonds – a risk the NBP must compensate → Bank margin – Poles pay more because... Poles pay → Credit risk – law, enforcement, and why banks in Germany trust customers more Numbers without illusions. So let's get started. Collaboration - [email protected] Discord for viewers -   / discord   BLOG for viewers - https://gospodarkabeziluzji.blogspot.... X/Twitter - https://x.com/LOF_lm Editor - Maks Kocjan ⚠️ I am not an investment advisor, and all decisions must be made at your own risk and responsibility. This video is an analysis of my portfolio, not a recommendation. The author of this channel is not an investment advisor, securities broker, financial analyst, or tax advisor within the meaning of the law, in particular the Act of July 29, 2005, on Trading in Financial Instruments, and the Act of July 6, 1982, on Tax Advisory Services. The content published on this channel is for educational and informational purposes only. These materials do not constitute "recommendations" or "investment advice" within the meaning of Article 76 of the aforementioned Act and cannot be considered the basis for making investment decisions. #mortgageloan #investing #advertising #WIBOR #NBP