By the way, the best offer for a mortgage (200,000PLN own funds) I've had is from Dombank and that came to 150,000PLN. Does anyone know where I could beat that?
I've got not much to do with these things anymore but not so long ago Dombank had a kind of reputation: "Can't get enough cash anywhere else, go there" as they had not very restrictive credit policy, was giving a lot compared to income or value of the property but had rather high rates.