{"id":453,"date":"2026-02-17T12:58:11","date_gmt":"2026-02-17T09:58:11","guid":{"rendered":"https:\/\/rutkowskihome.pl\/?p=453"},"modified":"2026-02-17T12:58:12","modified_gmt":"2026-02-17T09:58:12","slug":"ipoteka-dlya-it-speczialistov-v-polshe-v-2026-godu-kak-programmistu-poluchit-kredit","status":"publish","type":"post","link":"https:\/\/rutkowskihome.pl\/en\/finansy\/ipoteka-dlya-it-speczialistov-v-polshe-v-2026-godu-kak-programmistu-poluchit-kredit\/","title":{"rendered":"Mortgages for IT specialists in Poland in 2026: How can a programmer get a loan?"},"content":{"rendered":"<p>IT professionals are one of the strongest buyer groups <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\">real estate in Poland.<\/a><br>A high income, stable employment, and plans to stay in the country make buying an apartment a logical step.<\/p>\n\n\n\n<p>But the main question for almost everyone is the same:<br><strong>is it real? <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">get a mortgage<\/a> programmer in Poland in 2026?<\/strong><\/p>\n\n\n\n<p>I will answer honestly and without illusions -<br>It&#039;s possible for an IT professional to get a mortgage, but banks view IT specialists differently.<\/p>\n\n\n\n<p>Let&#039;s look at the real situation for specialists from Ukraine and Belarus working in Poland.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Do IT specialists in Poland get mortgages?<\/h1>\n\n\n\n<p>Yes, they do.<br>And often more willingly than many other professions.<\/p>\n\n\n\n<p>Why banks love IT:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>high income<\/strong><\/li>\n\n\n\n<li><strong>stable market<\/strong><\/li>\n\n\n\n<li><strong>demand for the profession<\/strong><\/li>\n\n\n\n<li><strong>long-term work in Poland<\/strong><\/li>\n\n\n\n<li><strong>salary growth<\/strong><\/li>\n<\/ul>\n\n\n\n<p><strong>But it is not the profession that decides, but the form of income.<\/strong><\/p>\n\n\n\n<h1 class=\"wp-block-heading\">The most important factor is the form of work<\/h1>\n\n\n\n<p>The bank doesn&#039;t look at the salary first,<br>and for that, <strong>How exactly do you work?<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Umowa o prac\u0119 (the simplest option)<\/h3>\n\n\n\n<p>If an IT specialist works on <strong>umowie o prac\u0119<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the chance of getting a mortgage is high<\/li>\n\n\n\n<li>3-6 months of work is enough<\/li>\n\n\n\n<li>banks are willing to consider<\/li>\n\n\n\n<li>better conditions<\/li>\n<\/ul>\n\n\n\n<p><strong>This is the most understandable situation for the bank.<\/strong><\/p>\n\n\n\n<h1 class=\"wp-block-heading\">IT for B2B: Is it possible to get a mortgage?<\/h1>\n\n\n\n<p>Most programmers in Poland work in B2B.<br>And the main fear:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">will they give a mortgage if dzia\u0142alno\u015b\u0107?<\/a><\/strong><\/p>\n<\/blockquote>\n\n\n\n<p>Answer:<br>Yes, but the bank will look deeper.<\/p>\n\n\n\n<p>Important:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>stable income<\/li>\n\n\n\n<li>activity for at least 12 months<\/li>\n\n\n\n<li>sometimes 24 months<\/li>\n\n\n\n<li>PIT declarations<\/li>\n\n\n\n<li>account statements<\/li>\n\n\n\n<li>accounting<\/li>\n<\/ul>\n\n\n\n<p><strong>If the income is stable -<br>B2B IT specialists often get mortgages without any problems.<\/strong><\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Do you need a residence card?<\/h1>\n\n\n\n<p>It has a great impact.<\/p>\n\n\n\n<p>With a residence card:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>more banks<\/li>\n\n\n\n<li>higher chance<\/li>\n\n\n\n<li>better conditions<\/li>\n\n\n\n<li>the process is simpler<\/li>\n<\/ul>\n\n\n\n<p>Without a life card:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Maybe<\/li>\n\n\n\n<li>but fewer banks<\/li>\n\n\n\n<li>stricter checks<\/li>\n<\/ul>\n\n\n\n<p>Ukrainians are sometimes given food without a card.<br>Belarusians need a map.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">How much should a programmer earn?<\/h1>\n\n\n\n<p>The bank believes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>net income<\/li>\n\n\n\n<li>expenses<\/li>\n\n\n\n<li>loans<\/li>\n\n\n\n<li>family<\/li>\n<\/ul>\n\n\n\n<p>On average:<\/p>\n\n\n\n<p>one person<br>from ~10\u201312k z\u0142 netto<\/p>\n\n\n\n<p>pair<br>15\u201325k z\u0142 netto<\/p>\n\n\n\n<p>But IT often earns more,<br>Therefore, the loan amounts are good.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">How much mortgage can you get?<\/h1>\n\n\n\n<p>IT clients often take:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>600,000 \u2013 1,500,000 z\u0142<\/li>\n\n\n\n<li>term of 20\u201330 years<\/li>\n<\/ul>\n\n\n\n<p>It all depends on your income and contribution.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Down payment<\/h1>\n\n\n\n<p>Usually:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>10\u201320% cost<\/li>\n<\/ul>\n\n\n\n<p>For example:<\/p>\n\n\n\n<p>apartment 900,000 z\u0142<br>contribution: 90\u2013180 thousand z\u0142<\/p>\n\n\n\n<p><a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/pervonachalnyj-vznos-dlya-ipoteki-v-polshe-skolko-nuzhno-inostranczu\/\" data-type=\"post\" data-id=\"378\">The higher the contribution <\/a>\u2014 the easier the approval.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Where do IT specialists shop most often?<\/h1>\n\n\n\n<p>Most popular cities:<\/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\">Warsaw<\/h3>\n\n\n\n<p>for work in corporations<\/p>\n\n\n\n<p>Popular areas in Gdansk:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Przymorze<\/li>\n\n\n\n<li>Wrzeszcz<\/li>\n\n\n\n<li>Morena<\/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 made by IT specialists<\/h1>\n\n\n\n<ol class=\"wp-block-list\">\n<li>They think that B2B mortgages are not available.<\/li>\n\n\n\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<\/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><strong>First, analyze the mortgage \u2192 then buy<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p>This saves months.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">If the bank is not ready to give a mortgage now<\/h1>\n\n\n\n<p>This does not mean that it will not happen.<\/p>\n\n\n\n<p>You can build a plan:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>show income correctly<\/li>\n\n\n\n<li>prepare documents<\/li>\n\n\n\n<li>increase the contribution<\/li>\n\n\n\n<li>wait for experience<\/li>\n\n\n\n<li>get a residence card<\/li>\n\n\n\n<li>choose the right bank<\/li>\n<\/ul>\n\n\n\n<p><strong>After a few months, the chance is often much higher.<\/strong><\/p>\n\n\n\n<h1 class=\"wp-block-heading\">The real situation in 2026<\/h1>\n\n\n\n<p>IT specialists are one of the most desirable client groups for banks.<br>But it is important to prepare properly.<\/p>\n\n\n\n<p>Without analysis you may get rejected.<br>With the right strategy - approval.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">If you work in IT and are thinking about a mortgage<\/h1>\n\n\n\n<p>If you are a programmer or work in IT in Poland<br>and are planning to buy <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">apartment on mortgage<\/a>:<\/p>\n\n\n\n<p>in Gdansk<br>Tricity<br>or another city<\/p>\n\n\n\n<p>It&#039;s better to understand the real chances in advance.<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">You can write to me and calmly clarify<\/a><\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Will they give you a mortgage in your situation?<\/li>\n\n\n\n<li>What amount can I expect?<\/li>\n\n\n\n<li>what contribution is required<\/li>\n\n\n\n<li>Which banks actually give<\/li>\n\n\n\n<li>Is it worth applying now?<\/li>\n<\/ul>\n\n\n\n<p>Even if the chance is small now -<br>Often you can make a clear plan and after a while calmly get a loan and <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/pokupka-i-prodazha-nedvizhimosti\/\" data-type=\"page\" data-id=\"16\">Buy an apartment in Poland.<\/a><\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>IT-\u0441\u043f\u0435\u0446\u0438\u0430\u043b\u0438\u0441\u0442\u044b \u2014 \u043e\u0434\u043d\u0430 \u0438\u0437 \u0441\u0430\u043c\u044b\u0445 \u0441\u0438\u043b\u044c\u043d\u044b\u0445 \u0433\u0440\u0443\u043f\u043f \u043f\u043e\u043a\u0443\u043f\u0430\u0442\u0435\u043b\u0435\u0439 \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u0438 \u0432 \u041f\u043e\u043b\u044c\u0448\u0435.\u0412\u044b\u0441\u043e\u043a\u0438\u0435 \u0434\u043e\u0445\u043e\u0434\u044b, \u0441\u0442\u0430\u0431\u0438\u043b\u044c\u043d\u0430\u044f \u0440\u0430\u0431\u043e\u0442\u0430 \u0438 \u043f\u043b\u0430\u043d\u044b \u043e\u0441\u0442\u0430\u0442\u044c\u0441\u044f \u0432 \u0441\u0442\u0440\u0430\u043d\u0435 \u0434\u0435\u043b\u0430\u044e\u0442<\/p>","protected":false},"author":1,"featured_media":454,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-453","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\/453","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=453"}],"version-history":[{"count":1,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/453\/revisions"}],"predecessor-version":[{"id":455,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/453\/revisions\/455"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media\/454"}],"wp:attachment":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media?parent=453"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/categories?post=453"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/tags?post=453"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}