{"id":447,"date":"2026-02-15T13:54:41","date_gmt":"2026-02-15T10:54:41","guid":{"rendered":"https:\/\/rutkowskihome.pl\/?p=447"},"modified":"2026-02-15T13:54:42","modified_gmt":"2026-02-15T10:54:42","slug":"ipoteka-v-polshe-v-2026-godu-dlya-ukrainczev-i-belorusov-realnye-shansy-poluchit-kredit","status":"publish","type":"post","link":"https:\/\/rutkowskihome.pl\/en\/finansy\/ipoteka-v-polshe-v-2026-godu-dlya-ukrainczev-i-belorusov-realnye-shansy-poluchit-kredit\/","title":{"rendered":"Mortgages in Poland in 2026 for Ukrainians and Belarusians: Real chances of getting a loan"},"content":{"rendered":"<p>Buying an apartment in <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">Poland on mortgage <\/a>\u2014 one of the most frequent requests from clients from Ukraine and Belarus.<br>Rental prices are rising, the real estate market remains stable, and many people are thinking about owning their own apartment.<\/p>\n\n\n\n<p>But the main question is always the same:<br><strong>Is it really possible to get it? <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">mortgage in Poland<\/a> to a foreigner in 2026?<\/strong><\/p>\n\n\n\n<p>I will answer honestly and without illusions, as it is in practice.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Can Ukrainians and Belarusians get mortgages in Poland?<\/h1>\n\n\n\n<p>Yes, you can get a mortgage.<br>But the conditions vary greatly depending on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>citizenship<\/li>\n\n\n\n<li>availability of a residence card<\/li>\n\n\n\n<li>income<\/li>\n\n\n\n<li>work experience<\/li>\n\n\n\n<li>down payment<\/li>\n<\/ul>\n\n\n\n<p>Each bank considers foreigners individually.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">The most important factor is the residence card<\/h1>\n\n\n\n<p>To put it as bluntly as possible:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Having a residence card is a key factor when applying for a mortgage.<\/p>\n<\/blockquote>\n\n\n\n<p>If you have a temporary or permanent residence card:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>more banks are ready to consider<\/li>\n\n\n\n<li>higher chance of approval<\/li>\n\n\n\n<li>better conditions<\/li>\n\n\n\n<li>lower down payment<\/li>\n<\/ul>\n\n\n\n<p>Without a residence card, a mortgage is possible, but much more difficult.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Mortgages for Ukrainians in 2026<\/h1>\n\n\n\n<p>The situation for Ukrainian citizens is now better than for many other foreigners.<\/p>\n\n\n\n<p>Some banks may consider Ukrainians even without a residence card.<br>In practice, Santander works most often.<\/p>\n\n\n\n<p>But the conditions are important:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>official income in Poland<\/li>\n\n\n\n<li>stable work<\/li>\n\n\n\n<li>experience<\/li>\n\n\n\n<li>down payment<\/li>\n\n\n\n<li>proof of residence<\/li>\n<\/ul>\n\n\n\n<p>The bank analyzes each application separately.<\/p>\n\n\n\n<p>If you have a residence card, the choice of banks becomes much wider.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Mortgages for Belarusian citizens<\/h1>\n\n\n\n<p>Here the situation is more complicated.<\/p>\n\n\n\n<p>It is almost impossible to get a mortgage without a residence card.<br>Most banks require:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>residence card<\/li>\n\n\n\n<li>long-term legal status<\/li>\n\n\n\n<li>stable income in Poland<\/li>\n<\/ul>\n\n\n\n<p>It&#039;s possible to get a mortgage with a residence permit, but the bank will carefully check your documents and income.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">What income is needed for a mortgage?<\/h1>\n\n\n\n<p>The bank looks not only at the amount of income, but also at its stability.<\/p>\n\n\n\n<p>Important:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>official income<\/li>\n\n\n\n<li>umova o prace or stable business<\/li>\n\n\n\n<li>6-12 months of work experience<\/li>\n\n\n\n<li>no debts<\/li>\n\n\n\n<li>good credit history<\/li>\n<\/ul>\n\n\n\n<p>Banks do not take into account income &quot;in an envelope&quot;.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/pervonachalnyj-vznos-dlya-ipoteki-v-polshe-skolko-nuzhno-inostranczu\/\" data-type=\"post\" data-id=\"378\">Down payment<\/a><\/h1>\n\n\n\n<p>Typically required:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>10\u201320% apartment cost<br>sometimes more for foreigners<\/li>\n<\/ul>\n\n\n\n<p>For example:<\/p>\n\n\n\n<p>apartment 750,000 z\u0142<br>contribution: from 75,000 to 150,000 z\u0142<\/p>\n\n\n\n<p>The higher the contribution, the higher the chance of approval.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">What amount can you expect?<\/h1>\n\n\n\n<p>Depends on income and liabilities.<\/p>\n\n\n\n<p>Most often, clients take out a loan:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>400,000 \u2013 900,000 z\u0142<\/li>\n\n\n\n<li>term of 20\u201330 years<\/li>\n<\/ul>\n\n\n\n<p>The bank calculates that the monthly payment is safe for the client.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Where are people most likely to buy apartments with a mortgage?<\/h1>\n\n\n\n<p>Most clients choose:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Gdansk<\/h3>\n\n\n\n<p>for life and investment<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Gdynia<\/h3>\n\n\n\n<p>calmer and cheaper<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Sopot<\/h3>\n\n\n\n<p>for investment and rent<\/p>\n\n\n\n<p>The most popular areas:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Przymorze<\/li>\n\n\n\n<li>Morena<\/li>\n\n\n\n<li>Wrzeszcz<\/li>\n\n\n\n<li>Jasie\u0144<\/li>\n\n\n\n<li>Oliwa<\/li>\n<\/ul>\n\n\n\n<h1 class=\"wp-block-heading\">Common mistakes before taking out a mortgage<\/h1>\n\n\n\n<p>Very often clients do this:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>First they look for an apartment<\/li>\n\n\n\n<li>Then they go to the bank<\/li>\n\n\n\n<li>They get rejected<\/li>\n\n\n\n<li>They are wasting time<\/li>\n<\/ol>\n\n\n\n<p>More correct:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">check the mortgage first<\/a> \u2192 <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\">then look for an apartment.<\/a><\/p>\n<\/blockquote>\n\n\n\n<p>This saves months.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">The real market situation in 2026<\/h1>\n\n\n\n<p>Banks provide mortgages to foreigners.<br>But they began to check more strictly:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>income<\/li>\n\n\n\n<li>documents<\/li>\n\n\n\n<li>stability<\/li>\n\n\n\n<li>status<\/li>\n<\/ul>\n\n\n\n<p>Approval is given to those who have a clear financial situation.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Is it worth taking out a mortgage now?<\/h1>\n\n\n\n<p>Many Ukrainians and Belarusians buy apartments because:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the rent is expensive<\/li>\n\n\n\n<li>are planning to live in Poland<\/li>\n\n\n\n<li>they want to fix the price<\/li>\n\n\n\n<li>buy for the family<\/li>\n\n\n\n<li>invest<\/li>\n<\/ul>\n\n\n\n<p>Gdansk and the Tricity remain a stable market.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Honestly from practice<\/h1>\n\n\n\n<p>Many clients think that a mortgage is impossible.<br>After analysis it turns out that there is a chance.<\/p>\n\n\n\n<p>Each situation is individual:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>income<\/li>\n\n\n\n<li>documents<\/li>\n\n\n\n<li>status<\/li>\n\n\n\n<li>purpose of purchase<\/li>\n<\/ul>\n\n\n\n<p>Sometimes there is a solution, even if at first it seems like there isn&#039;t.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">If you are thinking about a mortgage in Poland<\/h1>\n\n\n\n<p>If you&#039;re from Ukraine or Belarus and planning to buy an apartment with a mortgage in Gdansk or the Tricity, it&#039;s best to understand your situation in advance.<\/p>\n\n\n\n<p>Can <a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">write to me<\/a> and calmly clarify:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Is it really possible to get a mortgage?<\/li>\n\n\n\n<li>which banks are they considering?<\/li>\n\n\n\n<li>What amount can I expect?<\/li>\n\n\n\n<li><a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/pervonachalnyj-vznos-dlya-ipoteki-v-polshe-skolko-nuzhno-inostranczu\/\" data-type=\"post\" data-id=\"378\">what contribution is required<\/a><\/li>\n\n\n\n<li>Is it worth starting now?<\/li>\n<\/ul>\n\n\n\n<p>No strings attached.<br>Just be honest about your situation and capabilities.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">If the chances of getting a mortgage are slim now<\/h2>\n\n\n\n<p>Even if the bank is not ready at the moment <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">issue a loan<\/a> - this does not mean that a mortgage is impossible.<\/p>\n\n\n\n<p>In many cases, it is possible to develop a clear action plan to obtain bank approval within a certain time frame.<\/p>\n\n\n\n<p>This could be:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the correct form of employment<\/li>\n\n\n\n<li>income preparation<\/li>\n\n\n\n<li>creating a credit history in Poland<\/li>\n\n\n\n<li>increase in down payment<\/li>\n\n\n\n<li>obtaining a residence card<\/li>\n\n\n\n<li>choosing a bank that actually works with foreigners<\/li>\n<\/ul>\n\n\n\n<p>Typically, it takes several months to a year to prepare, but after that, your chances of getting a mortgage increase significantly.<\/p>\n\n\n\n<p>If you&#039;re planning to buy an apartment in the future, you can understand your situation now and develop a clear, step-by-step plan.<\/p>\n\n\n\n<p>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.<br>With the right strategy, most clients eventually obtain a mortgage and buy their own apartment in Poland.<\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>\u041f\u043e\u043a\u0443\u043f\u043a\u0430 \u043a\u0432\u0430\u0440\u0442\u0438\u0440\u044b \u0432 \u041f\u043e\u043b\u044c\u0448\u0435 \u0432 \u0438\u043f\u043e\u0442\u0435\u043a\u0443 \u2014 \u043e\u0434\u0438\u043d \u0438\u0437 \u0441\u0430\u043c\u044b\u0445 \u0447\u0430\u0441\u0442\u044b\u0445 \u0437\u0430\u043f\u0440\u043e\u0441\u043e\u0432 \u043e\u0442 \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432 \u0438\u0437 \u0423\u043a\u0440\u0430\u0438\u043d\u044b \u0438 \u0411\u0435\u043b\u0430\u0440\u0443\u0441\u0438.\u0426\u0435\u043d\u044b \u043d\u0430 \u0430\u0440\u0435\u043d\u0434\u0443<\/p>","protected":false},"author":1,"featured_media":448,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-447","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\/447","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=447"}],"version-history":[{"count":1,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/447\/revisions"}],"predecessor-version":[{"id":449,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/447\/revisions\/449"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media\/448"}],"wp:attachment":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media?parent=447"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/categories?post=447"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/tags?post=447"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}