The Polish mortgage market is once again experiencing rapid growth in 2026. Banks are issuing more loans, but borrower requirements are becoming increasingly stringent. Many people face situations where, despite a good income, the bank unexpectedly significantly reduces their creditworthiness or even denies them a mortgage. Often, the reason lies precisely in their profession, type of employment, or source of income.

Banks care about more than just how much someone earns. Much more important is how stable that income is, whether it can be predicted in the future, and what the risk of job loss is. This is why some professions find it significantly easier to obtain a mortgage than others.

In this article, we'll take a detailed look at which professions and specialties banks in Poland consider "problematic," which incomes are least considered, and what you can do to increase your chances of getting a mortgage.

Why do banks value professions differently?

Each bank in Poland has its own risk assessment system. When reviewing a mortgage loan, the following factors are analyzed:

• income stability;
• form of employment;
• work experience;
• regularity of receipts;
• seasonality of business;
• probability of job loss;
• the industry in which the client operates;
• income history for the last 6-24 months;
• credit history.

Banks most prefer clients with:

• umowa o pracę na czas nieokreślony;
• stable monthly income;
• work in large companies;
• official income without "gray" schemes.

The more complex the income structure, the more cautious the bank is in calculating creditworthiness.

1. Entrepreneurs on JDG (individual activity)

One of the most difficult groups for banks remains entrepreneurs running działalność gospodarczą (JDG).

Even if an entrepreneur earns 20–30 thousand zł net per month, the bank may take into account a significantly smaller amount.

Why are banks wary of JDG?

Reasons:

• income may drop sharply;
• business depends on the market;
• high costs;
• there may be problems with taxes;
• some activities are seasonal;
• Some income is difficult to verify.

It is especially difficult for entrepreneurs to obtain a mortgage:

• employed for less than 12–24 months;
• on the river;
• at great expense;
• with unstable income;
• working with one client.

What professions among entrepreneurs do banks consider risky?

Construction and repair

Problems arise with:

• builders;
• finishers;
• installers;
• electricians;
• plumbers;
• workers of seasonal teams.

Banks consider this industry to be dependent on the economic situation and season.

Bolt/Uber drivers and taxi drivers

Drivers' incomes often:

• unstable;
• depend on the number of orders;
• vary from month to month;
• are difficult to predict.

Some banks additionally require:

• extracts from applications;
• history of receipts;
• confirmation of the duration of work.

Realtors and real estate agents

While good real estate agents can earn a lot of money, banks don't like income that is based solely on commission.

The problem is that:

• transactions occur irregularly;
• there are weak months;
• Income depends on the real estate market.

Banks are especially wary of new agents.

2. People on umowa zlecenie and umowa o dzieło

This is one of the most common reasons for a decrease in creditworthiness.

For the bank umowa zlecenie means:

• lack of guarantees of continued operation;
• the possibility of quickly terminating cooperation;
• instability.

What do banks require?

Usually:

• minimum 6-12 months of continuous income;
• continuation of the contract;
• regular receipts;
• absence of long breaks.

Some banks even require 24 months of history.

3. IT specialists in B2B

Many people are surprised, but even programmers sometimes encounter problems with mortgages.

The reason is simple: most IT specialists work in B2B.

Despite high incomes, banks:

• reduce the income taken into account;
• check the stability of contracts;
• analyze the client's industry;
• require a long history of activity.

If a programmer has just discovered JDG, getting a mortgage becomes more difficult.

4. Seafarers and those working abroad

In Poland, many banks are wary of:

• to sailors;
• offshore workers;
• people with foreign contracts;
• employees of foreign companies.

Why do difficulties arise?

Because:

• income comes from abroad;
• it is difficult to verify the employer;
• foreign tax systems are used;
• There are problems with income verification.

Some banks do not accept certain types of foreign contracts at all.

5. People with income from commissions and bonuses

Banks consider it worse:

• bonuses;
• bonuses;
• percentage of sales;
• KPI;
• quarterly payments.

For example:

• sales managers;
• financial consultants;
• insurance agents;
• car dealers.

If the fixed portion of the salary is small, the bank may only take into account part of the total income.

6. Seasonal industry workers

These include:

• tourism;
• gastronomy;
• hotel business;
• seasonal construction;
• agriculture.

Banks fear that income will fall sharply during the slow season.

7. New entrepreneurs

If the business exists:

• less than 12 months;
• sometimes less than 24 months,

Many banks automatically refuse mortgages.

Even with high incomes.

What professions do banks like the most?

Banks are best suited for:

• to doctors;
• IT na umowa o pracę;
• civil servants;
• employees of large corporations;
• engineers;
• bank employees;
• employees of international companies;
• people with an open-ended employment contract.
• military, police

How to increase your chances of getting a mortgage?

1. Maintain a stable income

The bank likes predictability.

Best to avoid:

• sharp drops in income;
• large cash settlements;
• chaotic translations.

2. Don't hide your income

Many entrepreneurs minimize taxes, but this reduces their creditworthiness.

For a bank, official income is the main indicator.

3. Prepare documents in advance

Frequently needed:

• PIT;
• KPIR;
• account statements;
• ZUS;
• contracts;
• certificates from the employer.

4. Choose a bank for a specific profession

This is very important.

One bank may be bad at counting:

• JDG;
• B2B;
• umowa zlecenie,

and the other one is quite normal.

Why work with a mortgage expert?

There is no universal bank for all professions on the Polish market.

For example:

• One bank is better at counting B2B programmers;
• another one receives sailors well;
• The third is more loyal to entrepreneurs on the ryczałt.

That's why choosing the right bank can increase your creditworthiness by even several hundred thousand zlotys.

Results

In 2026, banks in Poland will be paying particular attention to a client's source of income. Even a high salary does not guarantee good creditworthiness if the profession is considered risky or the income is unstable.

The most difficult people to get a mortgage are:

• entrepreneurs;
• people na umowa zlecenie;
• B2B specialists;
• employees with commission income;
• sailors;
• seasonal workers;
• new firms.

However, in most cases, the problem can be solved by properly preparing documents and choosing the right bank.

If you want to check your creditworthiness and choose a bank that best suits your profession, it's best to do this in advance, even before you start looking for real estate.

Rutkowski Home - help in obtaining a mortgage in Poland for foreigners, entrepreneurs, B2B workers and clients with complex incomes.

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