Authorization
Enter the access code you received from your expert to unlock the Private Client Zone.
Private Client Zone
An exclusive space dedicated to managing your credit process. Bookmark this page in your browser to maintain permanent access throughout the process.
Consultation Room
Your dedicated online room on the Google Meet platform. Click to instantly connect with your expert.
JoinHarveo Drive
A secure, encrypted protocol used to upload documents directly to our server.
Open DriveConsultation and Concept
Cooperation Rules
Detailed description of the legal and operational framework. Learn about the exact scope of our responsibilities and offer conditions.
Read RulesFinancing Concept
Download, fill out, and return the Harveo Concept PDF used to structure your complete financing strategy.
Download Concept PDFDocuments and Checklist
Checklist generator. See what formal criteria to expect when preparing for the next stages.
Generate ChecklistCredit Procedure
Knowledge Base
Our proprietary compendium and answers to key legal, procedural, and technical issues related to the loan.
Open CompendiumProcess Schedule
A detailed view of the steps to be completed on the timeline during your credit process.
Check SequenceLoan Disbursement Instructions
A collection of formalities after the credit decision: notary deed, land registers, loan disbursement, etc.
View ProcedureCalculators
Installment Calculator
Advanced simulations of the monthly burden based on current macroeconomic parameters and market conditions.
Calculate InstallmentRefinancing Calculator
Expert examination of loan transfer potential. Analyze opportunities to reduce current financing costs.
Check SavingsOverpayment Strategy
Designing the optimal early repayment scenario. Manage capital to maximize the reduction of contract duration.
Plan RepaymentFinancial Tools
Official BIK Report
Check your credit history to identify and resolve potential issues before the bank's analysis.
Download BIK ReportMacroeconomic Data
A collective compilation of macroeconomic data: YoY inflation rate, GDP, and money supply in M1, M2, and M3 aggregates.
View Macro DataWIBOR Index
Current quotes of WIBOR 1M/3M rates on the interbank market, determining the current cost of money and interest rate levels.
Current WIBOR IndexReal Estate Tools
Land & Mortgage Register
The official government portal of the Ministry of Justice, enabling free and discrete verification of the property's legal status (especially Sections III and IV).
Launch EKW BrowserProperty Search Engines
An integrated suite of tools for searching the primary and secondary markets. Monitor deals through Otodom, Rynek Pierwotny, and AdRadar portals.
Current Property Prices
Access to the Deweloperuch.pl platform. A tool dedicated to advanced analysis of current market prices, square meter rates, and local trends.
Check Market PricesResources & Market Monitor
Virtual Consultation Suite
Your permanent, dedicated online meeting room on the Google Meet platform. Click to seamlessly join your scheduled video consultation with an expert.
Join MeetingConcepts & Rankings
Access the live, independent mortgage loan ranking (June 2026) alongside an interactive presentation outlining our core strategic financial frameworks.
Open Ranking & PresentationWIBOR Index & NBP Rates
Real-time tracking of WIBOR 3M/6M reference rates and the official National Bank of Poland interest rates that dictate the current cost of capital.
Check Macro IndicesEconomic Pulse
A comprehensive summary of Polish macroeconomic indicators: YoY inflation metrics, GDP dynamics, and money supply tracking (M1, M2, and M3 aggregates).
View Macro ProfileLand Register (EKW)
The official, sovereign Ministry of Justice portal enabling a direct and confidential verification of a property’s legal status, encumbrances, and liens (Sections III & IV).
Launch Register ViewerProperty Search Engines
An integrated suite of elite deal-scanning tools for primary and secondary markets. Track premium real estate opportunities via Otodom, RynekPierwotny, and AdRadar.
Scan the MarketDeveloper Financial Health
Direct access to the Deweloperuch.pl database. A specialized risk management utility designed to audit the solvency and credibility of corporate property developers.
Audit DeveloperOfficial BIK Credit Report
Acquire your comprehensive personal history statement from the Polish Credit Bureau (BIK). Crucial for diagnosing and fixing score anomalies prior to underwriting.
Download BIK ReportNational Geoportal
An indispensable engineering resource when buying a plot of land or building a custom home. Map out boundary borders, utility locations, and exact site topography.
Open Geoportal