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Mortgage Loan for Foreigners in Poland: A Detailed Guide

A mortgage loan in Poland has long ceased to be available only to citizens of the country. Many people who have lived and worked here for several years consider buying their own home instead of renting, or as an investment. Polish banks consider foreigners as potential borrowers, but their approach to evaluating applications has its own specifics. A mortgage in Poland is long-term financing for the purchase of an apartment or house, where the property itself serves as collateral until the full amount is repaid. The loan is usually taken out for 15–30 years, and the financing amount depends on several factors, primarily the size of the down payment.

Who can get one?

Almost all banks require a residency permit (karta pobytu) in Poland. The bank verifies your legal status in the country, PESEL number, stability of employment, and regularity of income. Individuals working under a permanent employment contract (umowa o pracę) who receive their salary in Polish zloty have the highest chances of receiving a positive decision. If your income is unstable or paid in cash, banks may require proof of financial stability over a longer period. If you have questions regarding legalization, we recommend contacting migrant-service.pl.

Down Payment

A down payment remains a mandatory requirement. Banks typically expect at least 20% of the property value. As a rule, banks do not finance 100% of the property cost. The higher the down payment, the more favorable the loan terms and the lower the interest rate can be. Additionally, your credit history in Poland is evaluated. If you have previously used banking products and met your obligations on time, this significantly increases the bank's trust in you.

Details

The interest rate on a mortgage in Poland consists of a base market rate and the bank's margin. A borrower can choose between a variable or fixed rate for the first few years of the loan. It is important to consider that the total repayment amount depends not only on the interest rate but also on the loan term and potential additional costs, such as notary fees and bank commissions.
It is also worth keeping a few nuances in mind. In the case of buying a house with a land plot, citizens of non-EU countries sometimes need to obtain a special permit. Buying an apartment in a multi-unit building usually proceeds without additional formalities. You can find more information at zezwolenie.com. Currently, there are programs for co-financing property up to nearly 100%, but each application requires a detailed check for compliance with current requirements. Most banks allow for early repayment of the loan, although some may charge an additional commission during the first 12–36 months. We will help you assess exactly what amount and terms you can expect in your specific situation.

Mortgage Insurance

Applying for a mortgage loan is almost always accompanied by mandatory insurance for both the property and the borrower themselves.
Main Types of Insurance:

Property Insurance

Covers losses caused by damage, destruction, or natural disasters (fire, flooding, earthquake). It is usually taken out for the loan amount or the market value of the property.
Borrower's Life Insurance

Particularly important for large loan amounts or long-term mortgages. In the event of death or disability, the insurance company covers the borrower's current obligations.
You can learn more about insurance at strahovki.pl

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Last updated: 15 July 2026.