What are they and how do they work?

Ecological criteria are treated at Harveo Finance as an **additional, potential capital benefit**. Since this is a highly niche scenario, these conditions do not form a default baseline element of comparison. We evaluate each property profile individually for technical compliance.

Strict banking criteria (June 2026):

• mBank (EKO Kredyt): Requires an EP max of 73.19 kWh/m²*year (secondary market before 2022) or max 63 kWh/m²*year for new single-family homes, and max 58.5 kWh/m²*year for multi-family units. Failure to deliver the certificate on time results in a margin increase of 0.3 p.p.
• VeloBank (Zielona Hipoteka): The EP threshold is set at a max of 58.50 kWh/m²*year for apartments and 63 kWh/m²*year for houses (0.2 p.p. margin reduction).
• ING Bank Śląski (KH na dom energooszczędny): Requires an EP max of 62 kWh/m²/year for houses and a max of 58 kWh/m²/year for terraced housing segments.

Income Criteria & Assets:

Major institutions reserve the lowest margin matrices for specific income volumes or deposited capital:

• Erste Bank (Erste Platinum): Requires a documented monthly inflow of at least 10 000 PLN net (for 1 borrower) or 15 000 PLN combined. Alternatively: holding bank savings of at least 150 000 PLN.
• mBank (Segment Intensive): Activated with inflows to mkonto Intensive of at least 10 000 PLN per month or assets over 100 000 PLN, required to be maintained for a minimum of 5 years.
• Bank Pekao S.A. (Świat Premium): Dedicated for loan amounts above 500k PLN with a steady salary inflow of at least 10 000 PLN.

Sectoral Reductions and Restrictions:

• ING Bank Śląski (Crucial Capital Rule): With ING, if the **borrower's total credit exposure exceeds the 700 000 PLN threshold**, the bank mandatorily applies a more expensive, significantly more expanded life insurance option, which materially impacts the final monthly cost.
• VeloBank (For Professionals): Special margin discount of 0.2 p.p. for the IT sector (Developers, Programmers, DBA Administrators, UX/UI, Cloud Engineers), medical sector (Doctors, Pharmacists, Physiotherapists), legal and accounting fields.

Internal Client

An individual with an established, documented account history with the given institution prior to submitting the application. **This often allows securing approximately a 0.10% (1/10) direct discount on the market interest rate.**

This rule has a crucial, real-world cost-saving application in:

• Erste Bank: Requires holding an account for at least 4 months with regular funding.
• mBank: Verifies the holding duration of an active product (min. 6 months before the application).
• PKO BP: Requires maintaining an ROR for at least 6 months with a systematic income inflow (min. 3000 PLN).

External Client

A completely new entity to the bank's structure, with no prior deposit or transaction history. Credit capacity and risk scoring verification are conducted under the general entry terms of the banking algorithm, without the automatic inclusion of relational discounts (submission of full income documentation from external institutions is required).