As a mobile home supplier, we operate directly – we are not an intermediary or financial broker .
Our role is to provide the client's chosen bank or leasing company with the necessary documents (e.g., a mobile home plan with a final quote) to finance the purchase of a year-round mobile home. We also assist in finding an institution where they can obtain a preliminary estimate and a tailored offer. The entire process takes place directly between the client and the financial institution, ensuring transparency and speed.
Modern mobile or modular homes are a perfect solution for those who value comfort, aesthetics, and mobility. Their durable construction makes them functional, durable, and modern.
FINANCING FOR PRIVATE INDIVIDUALS
Consumer loan for the purchase of a mobile home
Cash loans for any purpose are currently offered with interest rates ranging from approximately 10–12% to 15–17% , depending on the bank and the terms of the agreement. The standard repayment period is 2 to 8 years , and often no down payment is required. The final cost of the loan depends on the interest rate, commissions, and additional fees.
Sample loan simulations (for a maximum of 8 years):
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PLN 50,000 → installment approx. PLN 850/month
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PLN 100,000 → installment approx. PLN 1,700/month
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PLN 150,000 → installment approx. PLN 2,500/month
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PLN 200,000 → installment approx. PLN 3,400/month
The final installment depends on the APR, which currently averages 13–15% . Detailed calculations are prepared by the selected bank, taking into account factors such as insurance and variable interest rates.
FINANCING FOR COMPANIES AND ENTREPRENEURS
Mobile home leasing
Mobile homes are great for:
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mobile offices,
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points of sale,
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social facilities for employees,
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recreational facilities (e.g. summer houses, tourist cottages).
Lease agreements typically cover terms of 48 to 72 months . The minimum down payment is typically 10% , though it can increase to as much as 45%. The buyout amount depends on the length of the agreement – for example, after 48 months, it's approximately 23–25%, after 60 months, 13–15%, and after 72 months, even 3–5%.
Example leasing simulations:
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PLN 100,000 (10% down payment, 4 years): installment approx. PLN 2,100–2,300/month, buyout 10–20% of the value.
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PLN 200,000 (15% down payment, 5 years): installment approx. PLN 3,200–3,500/month, buyout 10–20%.
Leasing usually involves a lower interest rate than a consumer loan because the collateral is the leased item itself (e.g. a mobile home).
ADVANTAGES OF LOAN
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The house becomes the customer's property immediately after purchase.
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No additional buyout fees (unlike leasing).
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The loan can be spread over a longer period, which allows you to lower your monthly installments.
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Freedom of use – no restrictions as with leasing.
ADVANTAGES OF LEASING
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It does not burden your creditworthiness (it is not treated as debt).
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Possibility of including leasing installments in business costs.
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Flexible repayment schedule – especially useful for new businesses.
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Lower interest rates compared to cash loans.
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Simplified procedures and lower creditworthiness requirements.
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Possibility to buy the house after the contract ends or exchange for a new model.
FORMALITIES
To obtain financing (loan or leasing), financial institutions usually check:
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income – confirmation of regular income is required (employment contract, business activity, pension, retirement pension),
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credit history – banks and lessors analyze registers such as BIK or KRD,
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financial stability – e.g. through account statements, PIT from the previous year, certificate from the employer.
In some cases, banks will honor income declarations, which are submitted under penalty of perjury. Lessors may also verify a company's online reputation and assess its financial risk.
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I want to buy in installments |
