Are you working for Uber or Bolt in Poland and want to buy an apartment?
I often hear:

«"Taxi drivers don't get mortgages"»
«"The bank won't approve"»
«"I need a Polish passport."»

This is a myth.

In 2026, an Uber or Bolt driver who is a citizen of Ukraine, Belarus, Georgia, India, or another country will can get a mortgage in Poland.
The main thing is to prepare properly.

Let's take a step-by-step look at what's really important for a bank.

Do Uber and Bolt drivers get mortgages?

Yes.
The bank doesn't assess a profession as "risky" in itself. It assesses:

• official income
• form of the contract
• work experience
• residence card
• credit history
• down payment

If income is confirmed, a mortgage is possible.

The most important requirement is a valid residence card.

If you have:

• temporary residence card
• permanent residence card

- this significantly increases the chances.

With a valid residence card there are no systemic problems with obtaining a loan.
Most banks are comfortable with such clients.

Official income is a key factor

For Uber and Bolt drivers, it's critical that:

• all salaries were received officially
• the money came into the bank account
• income was reflected in PIT
• there was an official agreement

If part of the income is in cash - the bank doesn't take it into account.

The bank looks only at net, verified income.

Umowa o pracę — the easiest option

If you work under umowie o pracę:

• After 3 months you can try to apply
• after 6 months the chances are even higher
• the process goes faster

This is the most understandable form for banks.

Umowa zlecenie — does not disqualify

Very important:

Umowa zlecenie does not disqualify you from getting a mortgage.

But:

• Most often, at least 12 months of experience is required.
• income must be stable
• payments are regularly credited to the account

The process may take a little longer,
but a mortgage is possible.

Working through an intermediary or doing your own work

Some drivers work:

• through partner companies
• on one's own działalności
• through various aggregators

In this case it is important:

• show income stability
• submit tax returns
• confirm the speed

If the documents are collected correctly - Banks accept such income.

How much does an Uber or Bolt driver need to earn?

In 2026, the targets are:

One person:
7,000 – 10,000 zł net

Family:
12,000 – 18,000 zł net

These are not hard numbers, but an average range for normal creditworthiness.

Down payment

Standard:

10–20% cost of the apartment.

Example:

apartment 650,000 zł
contribution: 65,000 – 130,000 zł

The higher the contribution, the easier the approval.

Credit history in Poland

If you already:

• used installment plans
• had a credit card
• paid regularly

- that's a plus.

If there is no credit history, it's not a problem.

The most common mistakes Uber and Bolt drivers make

1. Part of the income is unofficial
2. Lack of complete documentation
3. Submitting to the bank without prior analysis
4. First, look for an apartment, then check your creditworthiness.

The correct sequence is:

First, check your chances → then choose an apartment

This saves time and money.

The real situation in 2026

Uber and Bolt drivers are frequent mortgage customers.

Banks in Poland understand that this is a stable market.
If your income is official and you have a residence permit, it's possible to get a loan.

The most important:

• official income to the account
• contract (umowa o pracę or zlecenie)
• valid residence card
• absence of serious debts

If these conditions are met - mortgage is possible.

If you work for Uber or Bolt and want to buy an apartment

If you are a citizen of Ukraine, Belarus, Georgia, India
and work for Uber or Bolt in Poland —

you can understand in advance:

• will they give you a mortgage?
• What amount can I expect?
• What is the required down payment?
• Is it worth applying now?

Even if there are doubts,
It is often possible to develop a clear plan and calmly obtain a loan in a few months.

It is better to assess the situation in advance than to be refused due to unprepared documents.