Frankly they're all a crock of **** compared to 2-3 years ago.
Commission (marża) has rocketed from a standard 2% (negotiable downwards with the right people) to 4-5% and above, offsetting any gains you might have from the overall drop in bank interest rates.
Not true, although there are still many bad offers on the market.
Probably one of the best at present - and available also to non-residents of Poland - is with Bank DnB Nord.
Their promotion for May - not sure if it is still valid - had the following main points:
0% loan commission
0% bank margin in first year - after that 1.7%
0% early loan repayment commission (either part or full) during life of loan.
Oh, and now would not be a bad time (in the next 2-3 months) to take out a CHF or Euro denominated loan. Sllly season is over as far as the run on the PLN is concerned (WTF was that 5.04 against Sterling the other week all about?) - the zloty can only strengthen in both the short and medium term.
I agree with you