[zo1]

>"Lowest I've seen is 3% plus base rate. If you typed "poland mortgage rates" into Google, you might be seeing the same infobox as I am, which references a US-based credit union. Taking Millenium Bank as an example, the calculator on their site offers 3.6% - base not included - for 25 years on a house value of 1,000,000zł with a loan of 700,000zł. That seems gigantic to me, and over 25 years it's just painful."

Sitting with a 10.x% mortgage right now in sunny South Africa. It's all about perspective. Then again, we're on-par to paying the thing off within a few years, but plenty of people carry their mortgage around for up to 30 years, or more with re-financing.