Q&A Czym jest BIK?
Definicja BIK, czyli Biuro Informacji Kredytowej jest rejestrem zawierającym dane historyczne dotyczące klientów kredytowych. Do BIK przekazywane są informacje pochodzące z banków, spółdzielczych kas oszczędnościowo-kredytowych oraz firm pożyczkowych. Gromadzone są zarówno informacje pozytywne, jak i negatywne. Mówiąc prościej, jest to międzybankowe forum, za pomocą którego…
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Q&A: Zadatek vs. zaliczka
Kiedy i w jakim celu są stosowane? Celem wspólnym powyższych świadczeń pieniężnych jest zabezpieczenie wykonania umowy. Przy zawieraniu umów sprzedaży, gdy wydanie przedmiotu (w tym przeniesienie prawa własności) jest przesunięte w czasie, strona sprzedająca zwykle stawia dokonanie przedpłaty jako jeden z warunków zawieranej umowy. Jest to…
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OD DZIŚ WIBOR 3M = 0,28%
Doszło do sytuacji bezprecedensowej w świecie bankowości. Doczekaliśmy się WIBOR‘u (ang. Warsaw Interbank Offered Rate) – czyli referencyjnej wysokości oprocentowania pożyczek na polskim rynku międzybankowym, na historycznie najniższych poziomach. Jest to bezpośredni efekt decyzji Rady Polityki Pieniężnej, które zapadły w dniu 28 maja 2020 – o…
Rada Polityki Pieniężnej obniżyła stopy procentowe praktycznie do zera
Informacja po posiedzeniu Rady Polityki Pieniężnejw dniu 28 maja 2020 r. Rada podjęła decyzję o obniżeniu stopy referencyjnej NBP o 0,40 pkt proc., tj. do poziomu 0,10%. Jednocześnie Rada ustaliła następujący poziom pozostałych stóp procentowych NBP: • stopa referencyjna 0,10%;• stopa lombardowa 0,50%;• stopa depozytowa…
Google Review
Lukasz Nowicki
20:03 14 Jun 21
Professional and attentive to customer needs. They know very well bank procedures which was key in getting the positive... decision. Always available and helpful - there was always someone to help with any questionsczytaj więcej
Jennifer Bohan
11:49 13 Jun 21
We have cooperated in a few real estate transactions.
Everything went smoothly and professional.
I can highly recommend.
Ani Syed
10:42 08 Jun 21
Thank you Jakub very professional and knowledgeable guy I will be using him for my mortgage services in the very near... future. He was able to tell me which option is suitable for me and I am very confident in his services and highly recommend him to all expats.czytaj więcej
Alex Bãcica
09:15 25 Mar 21
Jakub helped me to go through the whole mortgage process with minimum effort from my side. He gave me the best options... available to choose from, walked me through the whole process making sure everything is well understood. Very responsive and flexible when it comes to scheduling meetings and very professional. Overall a great experience when it comes to this kind of transactions. Highly recommended!czytaj więcej
Katarzyna Milenkiewicz
16:51 15 Mar 21
My friend recommended me Harveo services and I couldn’t find better place for financial advice. In my case we were... dealing with a flat purchase financing, but from that time I had many other things to discuss with Mr Jakub. Always prepare and always there to help. 5 well deserves stars!czytaj więcej
Olesea Mereuta
20:49 11 Mar 21
The owners will give you a masterclass on mortgages in Poland :-) Very professional, knowledgeable and responsive, they... will help you get the best available deal on the market. Highly recommended.czytaj więcej
miltos saratzidis
12:00 01 Mar 21
This was one of my best experiences of service in my life, I had an amazing first call with Jacob Pajak Adam explaining... to me the process specifically for my situation.
I was particularly impressed that they were able to make a special plan for me as a foreigner in order to achieve my long-term financial goals.
After this phone call, Jacob spent multiple hours helping me personally in their office, I am already in the first phase of getting my mortgage and I am really excited aboutczytaj więcej
Dimitris s
11:51 01 Mar 21
Excellent service, very knowledgeable and to the point.
Quick answers, and great understanding for the needs of an... individual from outside Poland.
Recommend it 100%.czytaj więcej
Jakub Freisler
23:00 21 Feb 21
Dr Jakub Ossowski makes the whole credit process look like the easiest thing in the world! I can definitely recommend... him and the whole Harveo as the most professional and down-to-client team I had a chance to work with.czytaj więcej
Michael Rubenfeld
08:32 20 Feb 21
Jacob goes above and beyond for his clients and consistently maintains a positive attitude and makes you feel like... everything is possible. I can’t recommend him and Harveo enough.czytaj więcej
dogan y
21:36 28 Dec 20
If you think about getting a mortgage, here is the righ place, Highly recommended! Very professional service and... advices to encourage you + get idea from very beginning to the end with details.
Thank you!czytaj więcej
Reha Krisztián
12:58 16 Dec 20
Best advisors I met!
Costumer focused, flexible, always trying to find the best deal for You!
They go the extra mile to... succeed.
You can deal fully in English.
Professional, up to not only Polish, but even every european standards.
Highly recommended!czytaj więcej
Deborah Woodruff
10:39 16 Dec 20
Very professional and diligent team. They can steer you through the bureaucracy with ease and go out of their way to... provide a tailored service, specific to your needs. Highly recommended and they speak excellent English for those who are like me and haven’t yet mastered Polish!czytaj więcej
Michael Poblocki
15:00 12 Dec 20
Highly recommend for anyone interested in taking out a mortgage. These gentlemen are professional, responsive, and... highly knowledgeable. All of our questions were answered promptly and in detail, allowing for us to feel confident in our decision. We felt that they had our best interest in mind throughout the whole process.czytaj więcej
Zs B
17:41 26 Sep 20
Professional, up-to-date and friendly. Very informative and useful advices, which you wouldn't get elsewhere. Jakub... Pająk provides a service that is rare to find in English, highly recommended before investments!czytaj więcej
Max Mukoida
15:48 17 Sep 20
Good quality business, had a chance to find a decent apartment in Krakow and arrange mortgage for it. Very responsive... and open for any questions (special thanks to Jakub Pająk), highly recommended for those who wants to deal with professional attitude company.czytaj więcej
Gergo Reha
14:20 10 Sep 20
The guys are professional credit advisors with an amazing personality. I was informed about every small movement and... they rapidly answered for my questions/doubts.
Long story short, highly recommend to contact them if you are interesting about the mortgage possibilities!czytaj więcej
Marta Panuszewska
11:00 09 Sep 20
I'd definitely recommend this company to anyone looking for help. They made the whole process as pleasant and... stress-free as possible.czytaj więcej
Rafał Słota
14:04 08 Sep 20
Awesome and professional service! Help at any stage with very little involvement from a client required, even though... the case was quite tricky. Amazing communication and help with very broad range of topics.czytaj więcej
leslie chen
07:32 30 Aug 20
Very professional services and advices, avoided a lot of risks, thank you Mr Jakub Pajak
deepak pai
10:57 07 Aug 20
Very warm and professional service. I would highly recommend Harveo to anyone looking to manage and plan their finances... efficiently and without any hassles.czytaj więcej
Leanid Kresik
20:33 23 Jun 20
Professionally, clearly and efficiently at every stage. Thanks to them, the whole process was easy enough for me, for... which I am very grateful. Service and customer contact are also top notch. Highly recommend them, without any doubts.czytaj więcej
Peter Rak
13:51 26 Dec 19
I've had an opportunity to work with Harveo on my quite extraordinary case of bank loan. I have to say that I would... recommend these professionals without any doubt to everyone. They were able to provide answers to each of my questions and their solution-oriented behavior & extensive knowledge led to a successful deal closed on great terms. On top of that, the atmosphere was always very friendly and they were always available whenever I needed to confirm any information. 10/10czytaj więcej
Yang Su
12:23 04 Dec 19
I’m impressed by their knowledge and professionalism for the financial services, I definitely recommend if you need any... financial help/advices in Krakow, and they speak very good English ???czytaj więcej
Alberto Martínez Hernández
18:35 31 Aug 19
Good advisors and good English knowledge. They are really helpful.
Pauline Stefanski
14:59 31 Aug 19
Great advisors, good English communication, helpful and flexible ! We had several meetings from February to August,... they were always responsive and cared about their clients even once the procedure is finished. I really recommend to go there if you need a mortgage!czytaj więcej
Nelson Cissoko
07:28 29 Aug 19
Useful and kind help for your financial needs.
Solution focused and dynamic professionals.
Polecam!