Thinking about buying a property in Poland? Whether you're self-employed, an EU citizen, or just looking for guidance, this guide walks you through the mortgage process step-by-step.
💼 Mortgage as Self-Employed in Poland
Getting a mortgage while self-employed requires more documentation but is absolutely possible. Polish banks expect:
- Stable income proof (typically from the past 12–24 months)
- Annual tax returns (PIT)
- CEIDG or KRS printout
- Bank statements
- Confirmation of no tax arrears from the tax office (Urząd Skarbowy)
- Valid residence documents
🔎 A longer business history, regular tax payments, and Polish clients will work in your favor.
🇪🇺 Getting a Mortgage as a EU Citizen in Poland
EU citizens can apply for a mortgage on nearly the same terms as Polish citizens. However, banks carefully evaluate several factors:
- Type of residence permit (temporary vs. permanent)
- How long your current permit remains valid
- Your family situation: whether you have a spouse or children
- Whether joint ownership applies — in which case your partner’s legal status and documents will also be assessed
- Income per family member
- Type and stability of your income (employment, business, pension, etc.)
- The volume of the requested mortgage
💰 For example, if you have a temporary residence permit valid for at least 2 more years, and a net income of 7,000–8,000 PLN per month, banks like Santander or ING may offer you financing between 400,000 to 500,000 PLN. And yes — you can always negotiate the terms.
📄 What Documents Does an EU Citizen Need to Get a Mortgage?
Expect to provide:
- Valid passport or EU ID
- PESEL number
- Residence confirmation (zameldowanie or lease agreement)
- Proof of income (employment contract, business income, pension, etc.)
- Bank statements (typically 3–12 months)
- Credit history (from Polish BIK or your home country)
- Preliminary property purchase agreement (Umowa przedwstępna)
- Translations of any foreign documents (certified if required)
📌 Banks differ slightly — some may ask for more, others less, depending on their internal policy.
🤝 Mortgage Advisor for Foreigners in Poland
A good mortgage advisor can be a game-changer.
Why hire one?
- They know which banks are open to foreigners
- They’ll help you prepare the right documents
- They’ll assist in negotiations with banks
- They can simplify the process with certified translations
💬 Many advisors speak English, Ukrainian, Russian, or German — so no worries if your Polish isn’t fluent.
🧠 Final Thoughts
Different banks offer different financial conditions — and there is no one-size-fits-all. What matters is how well you present your case: your income, legal stay, documentation, and negotiation skills.
With the right support and preparation, you can secure a mortgage in Poland and take a solid step toward property ownership and financial stability in the heart of Europe.
