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How can a truck driver get a mortgage in Poland in 2026?
Drivers' real chances of getting a loan and buying an apartment
One of the most frequently asked questions from clients working as drivers in Poland:
Will they give me a mortgage? truck driver and is it really buy an apartment?
Drivers often have high incomes, but banks are not always willing to give loans.
That's why many people think that getting a mortgage for a driver in Poland is almost impossible.
I will answer honestly and without illusions -
in 2026, a mortgage for a truck driver you can get it.
But there are important nuances that almost no one talks about.
Do truck drivers in Poland get mortgages?
Yes, banks do. mortgage for drivers.
But drivers are looked at more strictly than office workers.
The bank evaluates:
- type of contract
- work experience
- income
- stability
- citizenship
- residence card
- down payment
The main problem is not the profession, but the form of income.
Why are drivers often refused?
The most common reasons for refusal:
- umowa zlecenie
- income from several companies
- short experience
- no residence card
- daily allowance payments
- part of the income is unofficial
The bank is watching only official income.
If the income is small on paper,
The bank believes that it is difficult to repay the loan.
The best situation for a driver to get a mortgage
The bank is most willing to give a mortgage if:
- umowa o pracę
- stable income
- work 6-12 months
- residence card
- full official income
- good contribution
In this case, the chance is the mortgage is high.
If work po umowa zlecenie
It is possible to get a mortgage, but it is more difficult.
The bank looks at:
- stability of payments
- income history
- How long do you work?
- one company or many
- tax returns
The more stable the income, the better.
If the driver works for his own company (działalność)
That's also possible.
But the bank will require:
- income for 12-24 months
- PIT
- stable income
- good accounting
Often, entrepreneurs find it even easier to obtain a mortgage.
Do you need a residence card?
Honestly:
With a residence permit card it is much easier to get a mortgage.
With a temporary or permanent card:
- more banks
- higher chance
- better conditions
It is possible without a residence card, but more difficult.
Sometimes banks consider Ukrainians without a card,
but individually.
How much does a driver need to earn?
The bank believes:
- official income
- loans
- family
- expenses
On average for a mortgage:
one person
income from ~7000–9000 zł net
family
from ~10–14k zł net
But each case is considered separately. The amount of income we need depends on the amount of the loan we want to receive.
Down payment
Usually:
- 10–20% apartment cost
For example:
apartment 700,000 zł
contribution: 70–140 thousand zł
The higher the contribution, the higher the chance and better loan terms
Common mistakes drivers make
A very typical situation:
- First they look for an apartment
- Then they go to the bank
- They get rejected
- They are wasting time
The opposite is correct:
First, check your chances of getting a mortgage → then look for an apartment
This saves months.
If they don't give a mortgage now
This is not the end.
Very often you can build a plan:
- change the form of the contract
- show income correctly
- prepare documents
- wait for experience
- increase the contribution
- get a residence card
After a few months, the chance increases dramatically.
Many drivers get their mortgages this way.
If you are a driver and thinking about a mortgage
If you work as a driver in Poland and plan to buy an apartment:
in Gdansk
Gdynia
Tricity
or in another city
you can understand the real chances in advance.
You can write to me and calmly clarify:
- Will they give you a mortgage in your situation?
- What amount can I expect?
- what contribution is required
- Is it worth applying now?
- or better yet, prepare
Even if the chance is small now -
It is often possible to make a clear plan and get a loan over time.