Czy kredyt hipoteczny to pętla na szyję?

Is a mortgage really a "noose around your neck"? Many myths have arisen around mortgages – from the requirement for a 20% down payment, to the belief that the bank owns the apartment, to doubts about whether overpaying on a loan makes sense. In this episode of "Misja Mieszka" (Apartment Mission), we speak with Andrzej Fluderski, a member of the GetHome management board, who explains how mortgages actually work and answers the most frequently asked questions from prospective borrowers. You'll learn, among other things: • whether you really need a 20% down payment to get a loan • whether overpaying on a mortgage is worthwhile • who owns an apartment purchased with a loan • can a bank really easily repossess the apartment • what is the average mortgage amount in Poland 🎯 If you're planning to buy an apartment or house, this material will help you better understand the mechanics of mortgages and avoid common mistakes.