If you applied for a mortgage in Poland and received a refusal - you are not alone.
Nowadays, many foreigners are faced with the fact that banks do not approve loans even with a good income.

The most unpleasant thing is that banks rarely explain the reason in detail.
A person receives a refusal and does not understand what to do next.

Let's look at it honestly:
Why are banks refusing mortgages in Poland in 2026?
and is it possible to get approval?.

The main truth: a bank refusal is not the end

Most clients think:

If one bank refuses, you won't get a mortgage.

This is a mistake.

Very often, after a refusal, you can easily get approval from another bank.
or through proper preparation.

The main thing is to understand the reason for the refusal.

The most common reasons for mortgage denial

1. Insufficient official income

The bank takes into account only official income.

Problems arise if:

• part of the salary "in an envelope"«
• income is unstable
• recently changed jobs
• work less than 3-6 months

Even a high income doesn't always help,
if it is shown incorrectly.

2. Umowa zlecenie or B2B without history

Banks are more willing to give mortgages under umowie o pracę.

If:

• umowa zlecenie
• działalność less than 12 months
• unstable income

the bank may refuse.

But this does not mean that a mortgage is impossible.

3. No residence card

The absence of a residence card is a common reason for refusal.

Especially for:

• citizens of Belarus
• new clients in Poland

With a residence card, the chances are much higher.

4. Too small a down payment

Minimum usually:

10–20% cost of the apartment.

If contribution small -
The bank may refuse even if you have a good income.

5. Bad or no credit history in Poland

If in Poland:

• there were no loans
• no installments
• no history

The bank does not understand the client.

Sometimes this is resolved within a few months.

Mistake #1 after refusal

The most common mistake:

the person just gives up.

Or goes to another bank without preparation
and receives a second refusal.

After two refusals it becomes more difficult.

What to do if the bank refuses

The first thing is to understand the real reason.
Not "insufficient income", but real.

Often the situation can be corrected by:

• show income correctly
• wait for experience
• increase the contribution
• choose another bank
• prepare documents
• improve your credit history

In 2-6 months the situation may be completely different.

Real practice 2026

Most of the clients who were initially rejected,
as a result, they get a mortgage.

But only if you approach it correctly.

Each bank in Poland evaluates foreigners differently.
What doesn't suit one bank is suitable for another.

When the chances of getting a mortgage are high

If you have:

• stable income
• work in Poland
• down payment
• plan to live in the country

— there is almost always a chance to get a mortgage.

Even if one bank has already refused.

If you were denied a mortgage

If you have been rejected and don't understand why,
It's better not to apply to banks at random.

First, it’s worth calmly assessing the situation:

• Is there a chance of approval?
• Which bank will actually give it?
• how much income is needed
• what contribution is required
• Is it worth applying now?

You can write to me and discuss your situation without obligation.

Often, even after a refusal, it is possible to develop a clear plan
and after some time, calmly get a mortgage and buy an apartment in Poland.