Mortgages for foreigners

Polish banks lend to foreigners — at the reference rate of 3.75% (July 2026), a PLN 650,000 / 25-year loan costs ~PLN 4,000–4,400 monthly. Three things decide: legal residence, income in PLN (some banks accept EUR) and a reliable document history.

Typical bank requirements

• temporary or permanent residence card (some banks: employment contract + meldunek is enough),
• income: employment contract min. 6 months, B2B min. 12 months, or foreign income at selected banks,
• down payment: standard 20%, from 10% for stable profiles,
• sworn translations of income and civil-status documents.

How we improve the odds

We file parallel applications to 2–3 banks with different scoring policies for foreigners; we build history: account, credit card with a limit, on-time bills. For Ukrainian citizens with UKR status and Belarusians with permanent residence cards we know the banks with the simplest procedures — they have long been our most frequent mortgage clients.