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How much do you need to earn to get a mortgage in Poland in 2026?
One of the most frequently asked questions from those who are planning Buy an apartment in Poland:
What income is needed for a mortgage and Will they give a loan to a foreigner??
In 2026, banks in Poland were still actively issuing mortgages, but income and employment stability requirements had become stricter.
However, it is possible to get a loan if you understand the numbers and requirements of banks.
Let's take an honest look at this using real data from 2026.
Minimum income for a mortgage in Poland
According to calculations by Polish financial portals and banks:
👉 income about 4000 zł netto allows you to count on approximately loan of about 300,000 zł
subject to stable employment, no debts and standard expenses.
This is the calculation for one person over 26 years old:
- no children
- no loans
- umowa o pracę
- stable income
But this minimum level, but not comfortable.
Real income for a normal mortgage
To calmly buy an apartment in large cities (Gdansk, Gdynia, Warsaw),
Banks often expect higher returns.
One person
Comfortable income:
7,000 – 12,000 zł net
With this income you can count on:
400,000 – 700,000 zł loan
(depending on the bank and contribution)
Pair
If two people buy:
12,000 – 20,000 zł net for two
Then the banks calmly give:
700,000 – 1,200,000 zł loan
This is already the budget for a normal apartment in Tricity.
Examples of real creditworthiness
According to bank settlements:
- net income of 5,000 zł → approximately 300,000 zł in credit
- income 8,000 zł net → about 400–450 thousand in credit
- Income 12-15 thousand → already 700-900 thousand+
The higher the income, the easier the approval.
How much should the down payment be?
In 2026, the banking standard will be:
20% apartment price
Sometimes it is possible:
10% contribution,
but with additional insurance and more stringent checks.
Example:
apartment 700,000 zł
contribution:
- 70,000 zł (minimum)
- 140,000 zł comfortably
What do banks take into account besides income?
Income is only part of the solution.
The bank looks at:
1. Type of work
Best:
- umowa o pracę
- stable B2B
- contract for more than 6-12 months
Even umowa na czas określony is allowed,
if the income is stable.
2. Credit history
If in Poland:
- there are installment plans
- credit card
- payment history
the chance is higher.
If there is no history, that’s not a problem either.
3. Other loans
If there is:
- car loan
- installments
- card limits
The bank reduces the mortgage amount.
4. Family composition
The bank takes into account:
- children
- spouse
- expenses
The family needs more income,
than one person.
How much will banks actually pay in 2026?
Average actual loan amounts:
| Income | Possible loan |
|---|---|
| 6,000 zł | 300–400 thousand zł |
| 10,000 zł | 500–700 thousand zł |
| 15,000 zł | 800 thousand – 1 million zł |
| 20,000 zł+ | from 1 million zł |
These are real market ranges.
The biggest mistake before taking out a mortgage
The most common situation:
- People are looking for an apartment
- They make a deposit
- Then they go to the bank
- They get rejected
And they waste time.
The opposite is correct:
The real situation in 2026
Currently, mortgages in Poland are most often taken out by:
- IT specialists
- drivers
- specialists with income
- families
- people planning to live in Poland
Banks are ready to give loans to foreigners,
but only with proper preparation.
If you are planning a mortgage in Poland
If you work in Poland and are thinking about buying an apartment,
It's better to understand the real numbers in advance.
You can easily check:
- will there be enough income?
- what amount will the bank give
- what contribution is required
- Is it worth applying now?
- or better yet, prepare
Usually one calculation is enough,
to understand the real situation and not waste months on mistakes.