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Mortgages in Poland in 2026 for Ukrainians and Belarusians: Real chances of getting a loan
Buying an apartment in Poland on mortgage — one of the most frequent requests from clients from Ukraine and Belarus.
Rental prices are rising, the real estate market remains stable, and many people are thinking about owning their own apartment.
But the main question is always the same:
Is it really possible to get it? mortgage in Poland to a foreigner in 2026?
I will answer honestly and without illusions, as it is in practice.
Can Ukrainians and Belarusians get mortgages in Poland?
Yes, you can get a mortgage.
But the conditions vary greatly depending on:
- citizenship
- availability of a residence card
- income
- work experience
- down payment
Each bank considers foreigners individually.
The most important factor is the residence card
To put it as bluntly as possible:
Having a residence card is a key factor when applying for a mortgage.
If you have a temporary or permanent residence card:
- more banks are ready to consider
- higher chance of approval
- better conditions
- lower down payment
Without a residence card, a mortgage is possible, but much more difficult.
Mortgages for Ukrainians in 2026
The situation for Ukrainian citizens is now better than for many other foreigners.
Some banks may consider Ukrainians even without a residence card.
In practice, Santander works most often.
But the conditions are important:
- official income in Poland
- stable work
- experience
- down payment
- proof of residence
The bank analyzes each application separately.
If you have a residence card, the choice of banks becomes much wider.
Mortgages for Belarusian citizens
Here the situation is more complicated.
It is almost impossible to get a mortgage without a residence card.
Most banks require:
- residence card
- long-term legal status
- stable income in Poland
It's possible to get a mortgage with a residence permit, but the bank will carefully check your documents and income.
What income is needed for a mortgage?
The bank looks not only at the amount of income, but also at its stability.
Important:
- official income
- umova o prace or stable business
- 6-12 months of work experience
- no debts
- good credit history
Banks do not take into account income "in an envelope".
Down payment
Typically required:
- 10–20% apartment cost
sometimes more for foreigners
For example:
apartment 750,000 zł
contribution: from 75,000 to 150,000 zł
The higher the contribution, the higher the chance of approval.
What amount can you expect?
Depends on income and liabilities.
Most often, clients take out a loan:
- 400,000 – 900,000 zł
- term of 20–30 years
The bank calculates that the monthly payment is safe for the client.
Where are people most likely to buy apartments with a mortgage?
Most clients choose:
Gdansk
for life and investment
Gdynia
calmer and cheaper
Sopot
for investment and rent
The most popular areas:
- Przymorze
- Morena
- Wrzeszcz
- Jasień
- Oliwa
Common mistakes before taking out a mortgage
Very often clients do this:
- First they look for an apartment
- Then they go to the bank
- They get rejected
- They are wasting time
More correct:
This saves months.
The real market situation in 2026
Banks provide mortgages to foreigners.
But they began to check more strictly:
- income
- documents
- stability
- status
Approval is given to those who have a clear financial situation.
Is it worth taking out a mortgage now?
Many Ukrainians and Belarusians buy apartments because:
- the rent is expensive
- are planning to live in Poland
- they want to fix the price
- buy for the family
- invest
Gdansk and the Tricity remain a stable market.
Honestly from practice
Many clients think that a mortgage is impossible.
After analysis it turns out that there is a chance.
Each situation is individual:
- income
- documents
- status
- purpose of purchase
Sometimes there is a solution, even if at first it seems like there isn't.
If you are thinking about a mortgage in Poland
If you're from Ukraine or Belarus and planning to buy an apartment with a mortgage in Gdansk or the Tricity, it's best to understand your situation in advance.
Can write to me and calmly clarify:
- Is it really possible to get a mortgage?
- which banks are they considering?
- What amount can I expect?
- what contribution is required
- Is it worth starting now?
No strings attached.
Just be honest about your situation and capabilities.
If the chances of getting a mortgage are slim now
Even if the bank is not ready at the moment issue a loan - this does not mean that a mortgage is impossible.
In many cases, it is possible to develop a clear action plan to obtain bank approval within a certain time frame.
This could be:
- the correct form of employment
- income preparation
- creating a credit history in Poland
- increase in down payment
- obtaining a residence card
- choosing a bank that actually works with foreigners
Typically, it takes several months to a year to prepare, but after that, your chances of getting a mortgage increase significantly.
If you're planning to buy an apartment in the future, you can understand your situation now and develop a clear, step-by-step plan.
Even if it is difficult to get a loan today, this does not mean that it will not be possible to get one in a while.
With the right strategy, most clients eventually obtain a mortgage and buy their own apartment in Poland.