Verdict
Base margin: ING from 2.2% for clients with 25%+ down and active account, Pekao from 2.1%. Marginal gap. A specific-profile client will find close terms.
Key differentiator: government subsidies. Pekao is a primary operator of the Family Housing Loan and Mieszkanie na Start. ING runs these programmes but at smaller scale. For qualifying clients Pekao almost always wins.
Process: ING 6–8 weeks from complete documents, Pekao 8–12 weeks. Valuation: ING requires a valuer from the bank's list, Pekao accepts a wider list.
Terms compared
| Product | ING Bank Śląski | Bank Pekao SA |
|---|---|---|
| Minimum margin | 2.2% | ✓ 2.1% |
| Maximum term | 35 years | 35 years |
| Minimum down payment | 15% (10% with insurance) | ✓ 10% (with insurance) |
| Maximum DTI | 42% | ✓ 44% |
| Government schemes | smaller scale | ✓ primary operator |
| Time to decision | ✓ 6–8 weeks | 8–12 weeks |
Fits for
ING Bank Śląski
- Clients valuing a faster process and digital service
- ING active-account clients
- Multi-product ING clients
Bank Pekao SA
- Family Housing Loan candidates
- Karta Dużej Rodziny — subsidies
- Clients with lower down (10%) — Pekao more accessible
Frequently asked questions
Which bank has a lower mortgage margin?+
Pekao marginally (from 2.1% vs 2.2% ING). For a client at 30% down with a full product mix the gap usually disappears.
Which bank is better on the Family Housing Loan?+
Pekao. One of the primary operators, handles a much larger share of qualifying clients than ING.