Asking for a loan at the bank in Polish
A bank branch, a conversation with a consultant in Polish. 6 phrases that the conversation is made of: «Dzień dobry, interesuje mnie kredyt na mieszkanie.» — Good day, I am interested in a mortgage loan; «Ile pieniędzy chce pan pożyczyć?» — How much money do you want to borrow? The conversation is predictable: few lines, and almost all of them repeat from one exchange to the next.
How the whole thing sounds
The situation: a bank branch, a conversation with a consultant. The conversation is short and predictable — which is exactly what makes it good for a first try: few lines, and almost all of them repeat from one exchange to the next.
- Dzień dobry, interesuje mnie kredyt na mieszkanie.Good day, I am interested in a mortgage loan.
- Ile pieniędzy chce pan pożyczyć?How much money do you want to borrow?
- Około stu tysięcy euro. Jakie są odsetki?About a hundred thousand euros. What are the interest rates?
- Na dwadzieścia lat odsetki są wysokie.Over twenty years the interest rates are high.
- Ile wynosiłaby rata?How much would the payment be?
- Potrzebujemy umowy o pracę. Wniosek złoży pan dzisiaj.We need an employment contract. You will submit the application today.
Lines one by one
| Polish | Translation |
|---|---|
| Dzień dobry, interesuje mnie kredyt na mieszkanie. | Good day, I am interested in a mortgage loan. |
| Ile pieniędzy chce pan pożyczyć? | How much money do you want to borrow? |
| Około stu tysięcy euro. Jakie są odsetki? | About a hundred thousand euros. What are the interest rates? |
| Na dwadzieścia lat odsetki są wysokie. | Over twenty years the interest rates are high. |
| Ile wynosiłaby rata? | How much would the payment be? |
| Potrzebujemy umowy o pracę. Wniosek złoży pan dzisiaj. | We need an employment contract. You will submit the application today. |
How to prepare for a conversation like this
Memorizing the lines is not enough: the other person will say their own thing, not what is written. What helps more is catching the key words by ear and keeping three rescue phrases ready: “I don't understand”, “repeat, please”, “slower”.
And one more thing phrasebooks do not mention: awkwardness gets in the way more than not knowing the words.
- Fear of making mistakes gets in the way of learning a language, and noticeably so. The link turns up study after study, and together those studies cover almost twenty thousand people.checked many timesTeimouri, Goetze & Plonsky, 2019, Studies in Second Language Acquisition 41(2) · 19,933 participants from 23 countries; correlation with results r = −0.36.
- That fear can be dealt with — the methods have been tested and they work.checked many timesXiong et al., 2024, Journal of Language and Social Psychology · 37 studies, anxiety reduced by −0.61. Of the seven conditions examined, only age turned out to matter.
Frequently asked
How do you start a conversation in Polish in this situation?
“Dzień dobry, interesuje mnie kredyt na mieszkanie.” — Good day, I am interested in a mortgage loan. The first line in such a conversation is almost always the same, and that is the one worth learning: the other person will carry it from there.
What if you did not understand the reply?
Say “I don't understand” and “repeat, please” — both are in the rescue set. Admitting your language is still shaky almost always makes the other person more patient.
Should you memorize the dialogue?
No. It is more useful to catch the key words by ear: the other person will say their own thing, and a memorized line will not always fit their reply.