Buying your own home in Poland is becoming increasingly popular among Ukrainian citizens. However, one of the first questions that arises for almost every client is:

«"Will I be able to get a mortgage loan with my form of employment?»

The answer is simple - Yes, but a lot depends on the type of contract you work under and which bank you choose.

Over the years of working as a mortgage expert, I encounter situations every day where people receive completely different credit ratings simply because they work under different contracts. Moreover, some banks don't accept certain types of employment at all.

In this article, we will look at which work options are the most profitable for obtaining mortgages in Poland.

Mortgages for Ukrainians with Umowa o pracę

If you work on Umowa o pracę, then this is the best option for obtaining a mortgage loan.

For banks, this is the most stable source of income, so these clients have the highest chance of loan approval.

How much work do you need?

It depends on the specific bank.

In most cases, the requirements look like this:

• minimum 3 months of work at the current employer;
• some banks require 6 months;
• Some banks allow a change of employer if there was no long break between dismissal and new employment.

If your salary is officially deposited into your bank account and your job is permanent, the likelihood of receiving a positive decision is very high.

That is why, if you are just planning to buy an apartment, Umowa o pracę — the most profitable option.

Mortgage po Umowa zlecenie

Get a mortgage Umowa zlecenie It is also possible, but it is much more difficult to do.

Banks are more cautious about this type of income, as it is considered less stable.

Most often, banks require:

• minimum 6 months of continuous work;
• However, most banks prefer to see at least 12 months of stable income;
• very often it is necessary to provide additional information PIT for the previous year;
• All salary receipts and their regularity are analyzed.

If there have been significant gaps in employment or significant changes in income during the year, this can significantly reduce your creditworthiness.

Therefore, people working under Umowa zlecenie are advised to plan their property purchases in advance and not change employers immediately before submitting documents.

Working through an agency (Agencja pracy)

This is one of the most difficult situations when applying for a mortgage.

Many Ukrainian citizens are officially employed through an employment agency, although they have actually been working at the same company for several years.

Unfortunately, not all Polish banks are willing to lend to such clients.

Today, one of the few banks that considers such cases is Credit Agricole.

However, even in this bank the decision is made individually.

When considering an application, the following are taken into account:

• term of work;
• income stability;
• profession;
• history of salary receipts;
• form of contract;
• the overall creditworthiness of the client.

Therefore, the availability of work through an agency does not mean automatic refusal, but requires a much more detailed analysis.

Why do different banks make different decisions?

This is one of the most popular questions from customers.

Each Polish bank has its own internal rules for assessing income.

Therefore, the same family can receive completely different solutions.

For example:

• one bank will calculate creditworthiness 450,000 zł;
• the second one is on 600,000 zł;
• the third one will refuse altogether.

This is why it is so important to choose the right bank before signing the preliminary contract for the sale and purchase of an apartment.

What else influences the bank's decision?

In addition to the form of employment, banks pay attention to many other factors:

• validity period of the residence card;
• credit history;
• availability of existing loans;
• marital status;
• number of children;
• amount of the down payment;
• regularity of salary receipt;
• total work experience.

Even small details can significantly influence the final decision.

How to improve your chances of getting a mortgage?

If you are just planning to buy an apartment, it is worth preparing in advance.

I recommend:

✔ do not change employers unless necessary;

✔ receive your salary officially to your bank account;

✔ avoid late payments on loans;

✔ check your creditworthiness in advance;

✔ Prepare all the necessary documents before searching for an apartment.

Very often, proper preparation allows you to increase the maximum loan amount by several hundred thousand zlotys.

The most common mistake buyers make

Many people sign a preliminary agreement with the seller first and only then begin to find out whether they can get a mortgage.

This is a serious mistake.

First, you need to check your creditworthiness, select a suitable bank, and only then sign the contract and make a deposit.

This way, you will avoid unnecessary risks and be confident that you will be able to complete the purchase of the apartment.

Need a free credit check?

If you are a Ukrainian citizen and want to buy an apartment in Poland, I can help:

• calculate your creditworthiness for free;
• select a bank specifically for your situation;
• explain what documents will be needed;
• accompany the transaction until the keys to the apartment are received.

Each situation is individual, so it's best to check your options beforehand and only then make a decision about purchasing real estate.

Rutkowski Home

Mortgage loans for Ukrainians in Poland • Buying real estate • Full transaction support