{"id":378,"date":"2026-01-19T19:12:43","date_gmt":"2026-01-19T16:12:43","guid":{"rendered":"https:\/\/rutkowskihome.pl\/?p=378"},"modified":"2026-01-19T19:12:45","modified_gmt":"2026-01-19T16:12:45","slug":"pervonachalnyj-vznos-dlya-ipoteki-v-polshe-skolko-nuzhno-inostranczu","status":"publish","type":"post","link":"https:\/\/rutkowskihome.pl\/en\/finansy\/pervonachalnyj-vznos-dlya-ipoteki-v-polshe-skolko-nuzhno-inostranczu\/","title":{"rendered":"Down payment for a mortgage in Poland: how much does a foreigner need?"},"content":{"rendered":"<p>The down payment is one of the key elements <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">mortgages in Poland<\/a> and at the same time one of the most frequent sources of myths and misunderstandings, especially among foreigners.<br>Some have heard of 10%, some of 20% or 30%, and some are sure that a mortgage without a down payment is impossible.<\/p>\n\n\n\n<p>In practice, things are a little more complicated.<\/p>\n\n\n\n<p>In this article we will discuss:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>What is the down payment required for a mortgage in Poland?<\/strong><\/li>\n\n\n\n<li><strong>how does it affect the terms of the loan?<\/strong><\/li>\n\n\n\n<li><strong>What myths do not correspond to reality?<\/strong><\/li>\n\n\n\n<li><strong>and how the Rodzinny Kredyt Mieszkaniowy (RKM) program works<\/strong><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">What is a down payment on a mortgage?<\/h2>\n\n\n\n<p><strong>Down payment<\/strong> \u2014 this is the portion of the property&#039;s cost that the buyer pays with their own funds. The remaining amount is financed by the bank in the form of a mortgage loan.<\/p>\n\n\n\n<p>For a bank, the down payment is:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>client financial responsibility indicator<\/li>\n\n\n\n<li>risk reduction<\/li>\n\n\n\n<li>additional protection in case of problems with payments<\/li>\n<\/ul>\n\n\n\n<p>The higher the contribution, the <strong>the bank is more relaxed about it <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\">deal<\/a><\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Minimum down payment in Poland<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udd39 10% \u2014 possible, but with limitations<\/h3>\n\n\n\n<p>Formally, the mortgage is <strong>10% down payment<\/strong> in Poland it is possible, however:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Not every bank offers such conditions<\/li>\n\n\n\n<li>additional insurance is often required<\/li>\n\n\n\n<li>the interest rate and margin are usually higher<\/li>\n<\/ul>\n\n\n\n<p>For foreigners, a mortgage with a 10% down payment is possible, but:<br>\ud83d\udc49 Income and stability requirements will be stricter.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udd39 20% \u2014 the standard and most popular option<\/h3>\n\n\n\n<p><strong>20% down payment<\/strong> - This:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the most common option<\/li>\n\n\n\n<li>more banks to choose from<\/li>\n\n\n\n<li>better and more stable conditions<\/li>\n\n\n\n<li>fewer additional requirements<\/li>\n<\/ul>\n\n\n\n<p>For most foreigners it is <strong>20% \u2013 optimal balance<\/strong> between accessibility and benefit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udd39 30% and above \u2014 maximum chances and best conditions<\/h3>\n\n\n\n<p>Down payment <strong>30% and above<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>significantly reduces the risk for the bank<\/li>\n\n\n\n<li>increases the chances of approval<\/li>\n\n\n\n<li>improves interest rates and margins<\/li>\n<\/ul>\n\n\n\n<p>This option is often chosen if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>non-standard income<\/li>\n\n\n\n<li>umowa zlecenie<\/li>\n\n\n\n<li>short experience<\/li>\n\n\n\n<li>age closer to the upper limit<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">How does a down payment affect mortgage terms?<\/h2>\n\n\n\n<p>The down payment affects not only the fact of approval, but also <strong>price <\/strong><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\"><strong>mortgages<\/strong>.<\/a><\/p>\n\n\n\n<p>The higher the contribution:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>lower interest rate<\/li>\n\n\n\n<li>lower bank margin<\/li>\n\n\n\n<li>lower monthly payment<\/li>\n\n\n\n<li>higher available loan amount<\/li>\n<\/ul>\n\n\n\n<p>From the bank&#039;s point of view it&#039;s simple:<br>\ud83d\udc49 <strong>the more equity you have, the lower the risk<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Down payment and creditworthiness<\/h2>\n\n\n\n<p>It is important to understand:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>high contribution <strong>does not replace income<\/strong><\/li>\n\n\n\n<li>but maybe <strong>partially compensate for the risks<\/strong><\/li>\n<\/ul>\n\n\n\n<p>For example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>pri umowa zlecenie<\/li>\n\n\n\n<li>with short work experience<\/li>\n\n\n\n<li>at a higher age<\/li>\n<\/ul>\n\n\n\n<p>A bank can be more loyal if it sees a serious contribution from the client.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Myths about mortgages without a down payment<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u274c Myth: It&#039;s impossible to get a mortgage in Poland without a down payment.<\/h3>\n\n\n\n<p>This <strong>partly myth<\/strong>.<\/p>\n\n\n\n<p>There is a state program in Poland<br><strong>Rodzinny Kredyt Mieszkaniowy (RKM)<\/strong>, which allows you to get a mortgage <strong>without the classic down payment<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is Rodzinny Kredyt Mieszkaniowy (RKM)<\/h2>\n\n\n\n<p><strong>RKM<\/strong> \u2014 is a state program within the framework of which:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>state <strong>guarantees the missing down payment<\/strong><\/li>\n\n\n\n<li>The warranty can cover up to <strong>20% real estate value<\/strong> (within the established limits)<\/li>\n\n\n\n<li>the client does not actually make his own contribution, and the bank receives a guarantee<\/li>\n<\/ul>\n\n\n\n<p>\u2757 This is not \u00abmoney as a gift\u00bb, but <strong>guarantee for the bank<\/strong>, reducing its risk.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Can a foreigner use the RKM program?<\/h2>\n\n\n\n<p>Yes, <strong>a foreigner can participate in the RKM program<\/strong>, If:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>legally resides in Poland<\/li>\n\n\n\n<li>has a stable income<\/li>\n\n\n\n<li>meets the requirements of the bank and the program itself<\/li>\n<\/ul>\n\n\n\n<p>Citizenship <strong>is not an automatically excluding factor<\/strong>, however:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>creditworthiness requirements remain high<\/li>\n\n\n\n<li>Not every bank participates in the program<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">RKM Program Limitations<\/h2>\n\n\n\n<p>The RKM program has a number of important limitations:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>real estate value limits<\/li>\n\n\n\n<li>footage limits<\/li>\n\n\n\n<li>restrictions on the purpose of housing (first home)<\/li>\n\n\n\n<li>limited choice of banks<\/li>\n<\/ul>\n\n\n\n<p>Besides:<br>\ud83d\udc49 mortgages under RKM often have <strong>less favorable conditions<\/strong>, than a classic mortgage with a 20% down payment.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">RKM or a classic down payment \u2013 which is better?<\/h2>\n\n\n\n<p>It depends on the situation.<\/p>\n\n\n\n<p><strong>RKM may be a good solution<\/strong>, If:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>no savings<\/li>\n\n\n\n<li>income is stable<\/li>\n\n\n\n<li>the object fits within the limits<\/li>\n<\/ul>\n\n\n\n<p><strong>Classic mortgage with a down payment<\/strong> It is often more profitable if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>there is an opportunity to accumulate 10\u201320%<\/li>\n\n\n\n<li>better conditions are important<\/li>\n\n\n\n<li>We need a greater choice of banks<\/li>\n<\/ul>\n\n\n\n<p>RKM is <strong>tool<\/strong>, and not a universal solution.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Where can funds for a down payment come from?<\/h2>\n\n\n\n<p>The bank verifies the origin of the funds. Acceptable sources:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>personal savings<\/li>\n\n\n\n<li>family help<\/li>\n\n\n\n<li>deed of gift<\/li>\n\n\n\n<li>proceeds from the sale of real estate<\/li>\n<\/ul>\n\n\n\n<p>Important:<br>\ud83d\udc49 There must be money <strong>legal and verifiable<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">If you don&#039;t have a down payment now, what should you do?<\/h2>\n\n\n\n<p>No contribution today <strong>does not mean<\/strong>, that a mortgage is impossible.<\/p>\n\n\n\n<p>Very often a mortgage is:<br>\ud83d\udc49 <strong>6-12 months of training<\/strong><\/p>\n\n\n\n<p>During this time you can:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>save up a down payment<\/li>\n\n\n\n<li>raise <a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/ipoteka-v-polshe-dlya-inostranczev-kak-banki-oczenivayut-kreditosposobnost\/\" data-type=\"post\" data-id=\"366\">creditworthiness<\/a><\/li>\n\n\n\n<li>choose the optimal strategy (RKM or classic)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">The down payment is part of the strategy, not a formality.<\/h2>\n\n\n\n<p>Down payment:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>affects the conditions<\/li>\n\n\n\n<li>reduces the cost of mortgages<\/li>\n\n\n\n<li>increases the chances of approval<\/li>\n<\/ul>\n\n\n\n<p>A well-chosen strategy can save you money <strong>tens of thousands of zlotys<\/strong> for the entire loan term.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Our role in choosing a mortgage strategy<\/h2>\n\n\n\n<p><a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">As real estate professionals, we:<\/a><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>We help you choose the optimal contribution amount<\/li>\n\n\n\n<li>We evaluate whether the RKM program is suitable<\/li>\n\n\n\n<li>comparing scenarios<\/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 \u00abhere and now\u00bb solution.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Result<\/h2>\n\n\n\n<p>Down payment for a mortgage in Poland:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>10%<\/strong> - It&#039;s possible, but more difficult.<\/li>\n\n\n\n<li><strong>20%<\/strong> \u2014 the most optimal option<\/li>\n\n\n\n<li><strong>30%+<\/strong> - the best conditions<\/li>\n\n\n\n<li><strong>RKM<\/strong> \u2014 a real alternative without a contribution, but with restrictions<\/li>\n<\/ul>\n\n\n\n<p>The main thing is to choose <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\"><strong>the right strategy for a specific situation<\/strong>.<\/a><\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>\u041f\u0435\u0440\u0432\u043e\u043d\u0430\u0447\u0430\u043b\u044c\u043d\u044b\u0439 \u0432\u0437\u043d\u043e\u0441 \u2014 \u043e\u0434\u0438\u043d \u0438\u0437 \u043a\u043b\u044e\u0447\u0435\u0432\u044b\u0445 \u044d\u043b\u0435\u043c\u0435\u043d\u0442\u043e\u0432 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0432 \u041f\u043e\u043b\u044c\u0448\u0435 \u0438 \u043e\u0434\u043d\u043e\u0432\u0440\u0435\u043c\u0435\u043d\u043d\u043e \u043e\u0434\u0438\u043d \u0438\u0437 \u0441\u0430\u043c\u044b\u0445 \u0447\u0430\u0441\u0442\u044b\u0445 \u0438\u0441\u0442\u043e\u0447\u043d\u0438\u043a\u043e\u0432 \u043c\u0438\u0444\u043e\u0432 \u0438 \u043d\u0435\u0434\u043e\u043f\u043e\u043d\u0438\u043c\u0430\u043d\u0438\u044f,<\/p>","protected":false},"author":1,"featured_media":379,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-378","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\/378","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=378"}],"version-history":[{"count":1,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/378\/revisions"}],"predecessor-version":[{"id":380,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/378\/revisions\/380"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media\/379"}],"wp:attachment":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media?parent=378"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/categories?post=378"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/tags?post=378"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}