{"id":374,"date":"2026-01-19T18:52:10","date_gmt":"2026-01-19T15:52:10","guid":{"rendered":"https:\/\/rutkowskihome.pl\/?p=374"},"modified":"2026-01-19T18:52:11","modified_gmt":"2026-01-19T15:52:11","slug":"pochemu-bank-otkazal-v-ipoteke-v-polshe-i-chto-delat-dalshe","status":"publish","type":"post","link":"https:\/\/rutkowskihome.pl\/en\/finansy\/pochemu-bank-otkazal-v-ipoteke-v-polshe-i-chto-delat-dalshe\/","title":{"rendered":"Why did a bank refuse a mortgage in Poland and what to do next?"},"content":{"rendered":"<p>Being denied a mortgage is one of the most stressful moments when buying real estate, especially for foreigners. Often, clients are confident that their documents are in order and they have income, but the bank&#039;s decision comes as a complete surprise.<\/p>\n\n\n\n<p>It is important to understand the main thing:<br><strong>Mortgage refusal for foreigners is almost always related not to citizenship, but to the level of risk for the bank<\/strong>.<\/p>\n\n\n\n<p>In this article we will look at, <strong>Why do banks in Poland refuse<\/strong><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\"><strong> mortgage<\/strong>,<\/a> What are the most common reasons and what to do if you have already received a refusal.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why do banks refuse mortgages to foreigners?<\/h2>\n\n\n\n<p>A bank is a financial institution that assesses risks.<br>If, according to internal calculations, the risk becomes too high, the bank refuses.<\/p>\n\n\n\n<p>It is important to know:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>We <strong>We don&#039;t know all the banks&#039; internal rules<\/strong><\/li>\n\n\n\n<li>scoring algorithms are closed<\/li>\n\n\n\n<li>even bank employees <strong>don&#039;t always know the exact reasons for refusal<\/strong><\/li>\n<\/ul>\n\n\n\n<p>The decision is often made automatically based on a variety of factors.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2026\/01\/chto-delat-s-otkazom-v-ipoteke-v-polshe-1024x682.jpg\" alt=\"\" class=\"wp-image-376\" title=\"How to get a mortgage in Poland\" srcset=\"https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2026\/01\/chto-delat-s-otkazom-v-ipoteke-v-polshe-1024x682.jpg 1024w, https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2026\/01\/chto-delat-s-otkazom-v-ipoteke-v-polshe-300x200.jpg 300w, https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2026\/01\/chto-delat-s-otkazom-v-ipoteke-v-polshe-768x512.jpg 768w, https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2026\/01\/chto-delat-s-otkazom-v-ipoteke-v-polshe-18x12.jpg 18w, https:\/\/rutkowskihome.pl\/wp-content\/uploads\/2026\/01\/chto-delat-s-otkazom-v-ipoteke-v-polshe.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">The most common reasons for mortgage denial in Poland<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1\ufe0f\u20e3 Insufficient income<\/h3>\n\n\n\n<p>One of the most common reasons for refusal.<\/p>\n\n\n\n<p>Even if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the income seems good<\/li>\n\n\n\n<li>it&#039;s enough for life<\/li>\n<\/ul>\n\n\n\n<p>the bank may consider that:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>income too low for the mortgage amount<\/li>\n\n\n\n<li>there is little money left after all expenses<\/li>\n<\/ul>\n\n\n\n<p>The bank always counts <strong>safety reserve<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2\ufe0f\u20e3 Umowa zlecenie instead of umowa o prac\u0119<\/h3>\n\n\n\n<p>For banks:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>umowa o prac\u0119<\/strong> = stability<\/li>\n\n\n\n<li><strong>umowa zlecenie<\/strong> = increased risk<\/li>\n<\/ul>\n\n\n\n<p>Mortgage po umowa zlecenie is possible, but:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>more often required <strong>12 months of income<\/strong><\/li>\n\n\n\n<li>continuity is important<\/li>\n\n\n\n<li>one employer<\/li>\n<\/ul>\n\n\n\n<p>Even with a good income, the bank may refuse if it considers the contract not stable enough.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3\ufe0f\u20e3 Other loans and liabilities<\/h3>\n\n\n\n<p>Even small commitments can make a difference:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>consumer loans<\/li>\n\n\n\n<li>installments<\/li>\n\n\n\n<li>credit cards<\/li>\n\n\n\n<li>account limits<\/li>\n<\/ul>\n\n\n\n<p>From the bank&#039;s point of view:<br>\ud83d\udc49 each loan = additional risk.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4\ufe0f\u20e3 General risk assessment<\/h3>\n\n\n\n<p>Sometimes the client doesn&#039;t see a &quot;problem,&quot; but the bank assesses the situation differently:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>short work experience<\/li>\n\n\n\n<li>frequent change of employer<\/li>\n\n\n\n<li>regular transfers<\/li>\n\n\n\n<li>unstable income<\/li>\n<\/ul>\n\n\n\n<p>Even one of these factors can influence the decision.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Important: No always means never.\u00ab<\/h2>\n\n\n\n<p>Get rejected by one bank - <strong>does not mean that <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">mortgage<\/a> impossible at all<\/strong>.<\/p>\n\n\n\n<p>Each bank:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>assesses risks differently<\/li>\n\n\n\n<li>uses its own algorithms<\/li>\n\n\n\n<li>has different requirements<\/li>\n<\/ul>\n\n\n\n<p>What doesn&#039;t suit one bank may suit another.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What to do after being denied a mortgage<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u274c What NOT to do<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>submit applications to all banks in a row<\/li>\n\n\n\n<li>change jobs in a panic<\/li>\n\n\n\n<li>take out loans &quot;to improve history&quot;\u00ab<\/li>\n<\/ul>\n\n\n\n<p>This can <strong>make the situation worse<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u2705 What should you do?<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">1\ufe0f\u20e3 Analyze the reason for the refusal<\/h4>\n\n\n\n<p>Even if the bank has not provided a detailed explanation, you can:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>estimate income<\/li>\n\n\n\n<li>check obligations<\/li>\n\n\n\n<li>look at the contract type<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">2\ufe0f\u20e3 Improve your creditworthiness<\/h4>\n\n\n\n<p>In most cases, a refusal is a signal that:<br>\ud83d\udc49 <strong>preparation is needed<\/strong><\/p>\n\n\n\n<p>Often she takes <strong>6\u201312 months<\/strong> and includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>closing loans and cards<\/li>\n\n\n\n<li>income stabilization<\/li>\n\n\n\n<li>accumulation of experience<\/li>\n\n\n\n<li>correct financial history<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">3\ufe0f\u20e3 Choose the right moment<\/h4>\n\n\n\n<p>A mortgage is not an urgent solution \u00abfor tomorrow\u00bb.<br>The right moment often decides everything.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why<a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\"> assistance from specialists <\/a>especially important after refusal<\/h2>\n\n\n\n<p>After refusal it&#039;s easy:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>make wrong moves<\/li>\n\n\n\n<li>aggravate the situation<\/li>\n\n\n\n<li>get a second refusal<\/li>\n<\/ul>\n\n\n\n<p>Specialists:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>help to understand the real reasons<\/li>\n\n\n\n<li>suggest what to improve<\/li>\n\n\n\n<li>choose the bank with the best chances<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Rejection is not the end, but a stage<\/h2>\n\n\n\n<p>Mortgage refusal in Poland is <strong>not a sentence<\/strong>.<br>In most cases it&#039;s simple:<br>\ud83d\udc49 a signal that the bank considers the risks too high <strong>for now<\/strong>.<\/p>\n\n\n\n<p>With the right plan, timing, and preparation, a mortgage becomes a reality.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Our role in this process<\/h2>\n\n\n\n<p>As real estate and mortgage specialists, <a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">We <strong>interested in obtaining a mortgage<\/strong>.<\/a><\/p>\n\n\n\n<p>We:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>We assess the situation honestly<\/li>\n\n\n\n<li>we explain the reasons for the refusal<\/li>\n\n\n\n<li>We help you build a path to a mortgage<\/li>\n\n\n\n<li>We support the client from preparation to the bank&#039;s decision<\/li>\n<\/ul>\n\n\n\n<p>Very often a mortgage is <strong>a journey of 6-12 months<\/strong>, and not just one visit to the bank.<\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>\u041e\u0442\u043a\u0430\u0437 \u0432 \u0438\u043f\u043e\u0442\u0435\u043a\u0435 \u2014 \u043e\u0434\u0438\u043d \u0438\u0437 \u0441\u0430\u043c\u044b\u0445 \u0441\u0442\u0440\u0435\u0441\u0441\u043e\u0432\u044b\u0445 \u043c\u043e\u043c\u0435\u043d\u0442\u043e\u0432 \u043f\u0440\u0438 \u043f\u043e\u043a\u0443\u043f\u043a\u0435 \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u0438, \u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e \u0434\u043b\u044f \u0438\u043d\u043e\u0441\u0442\u0440\u0430\u043d\u0446\u0435\u0432. \u0427\u0430\u0441\u0442\u043e \u043a\u043b\u0438\u0435\u043d\u0442 \u0443\u0432\u0435\u0440\u0435\u043d, \u0447\u0442\u043e \u0441<\/p>","protected":false},"author":1,"featured_media":375,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-374","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansy"],"_links":{"self":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/374","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/comments?post=374"}],"version-history":[{"count":1,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/374\/revisions"}],"predecessor-version":[{"id":377,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/374\/revisions\/377"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media\/375"}],"wp:attachment":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media?parent=374"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/categories?post=374"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/tags?post=374"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}