The first digital mortgage has already been signed
“On April 8, the first mortgage agreement was signed under the new process (digital mortgage – PAP). (…) In the coming months, we will be absolutely ready for all PKO Bank Polski clients to be able to apply for a mortgage loan completely remotely. This is one of the key projects for us, because it shows the deep digital transformation of the bank and our determination to be a leader,” said the president.
“Today, for a client looking for a mortgage, the moment of making a decision is crucial. (…) We know that the process of searching for a property begins on the Internet, we would like to integrate this process of searching and financing housing needs”, added Midera.
The head of PKO BP announced that the bank intends to strengthen its position in the mortgage credit market so as not to fall below 30%. share in mortgage sales.
What is a digital mortgage?
Digital mortgage is a new PKO mortgage product and process, the first digital solution for mortgage lending in Poland, enabling the process from the moment the client is interested in a mortgage product (e.g. installment plan or capacity calculator) to signing the contract, completely remotely.
In April, the digital mortgage pilot began and the first agreement was signed. Initially, the product and process could be used by singles planning to buy an apartment on the secondary market, then the target audience of customers and loan purposes were gradually expanded.
PKO BP is the largest universal bank in Poland. The State Treasury holds 29.43 percent. bank shares. The value of PKO BP’s assets is PLN 507.3 billion. The company serves 12 million clients. (PAP)
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