{"id":457,"date":"2026-02-17T14:45:34","date_gmt":"2026-02-17T11:45:34","guid":{"rendered":"https:\/\/rutkowskihome.pl\/?p=457"},"modified":"2026-02-17T14:45:36","modified_gmt":"2026-02-17T11:45:36","slug":"pochemu-banki-otkazyvayut-v-ipoteke-v-polshe-v-2026-godu-i-kak-vsyo-taki-poluchit-kredit","status":"publish","type":"post","link":"https:\/\/rutkowskihome.pl\/en\/finansy\/pochemu-banki-otkazyvayut-v-ipoteke-v-polshe-v-2026-godu-i-kak-vsyo-taki-poluchit-kredit\/","title":{"rendered":"Why banks are refusing mortgages in Poland in 2026 and how to get a loan."},"content":{"rendered":"<p>If you <strong><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">applied for a mortgage in Poland<\/a><\/strong> and received a refusal - you are not alone.<br>Nowadays, many foreigners are faced with the fact that banks do not approve loans even with a good income.<\/p>\n\n\n\n<p>The most unpleasant thing is that banks rarely explain the reason in detail.<br>A person receives a refusal and does not understand what to do next.<\/p>\n\n\n\n<p>Let&#039;s look at it honestly:<br>Why are banks refusing mortgages in Poland in 2026?<br>and is it possible to get approval?.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">The main truth: a bank refusal is not the end<\/h1>\n\n\n\n<p>Most clients think:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>If one bank refuses, you won&#039;t get a mortgage.<\/p>\n<\/blockquote>\n\n\n\n<p>This is a mistake.<\/p>\n\n\n\n<p>Very often, after a refusal, you can easily get approval from another bank.<br>or through <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">proper preparation<\/a>.<\/p>\n\n\n\n<p>The main thing is to understand the reason for the refusal.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">The most common reasons for mortgage denial<\/h1>\n\n\n\n<h2 class=\"wp-block-heading\">1. Insufficient official income<\/h2>\n\n\n\n<p>The bank takes into account only official income.<\/p>\n\n\n\n<p>Problems arise if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>part of the salary &quot;in an envelope&quot;\u00ab<\/li>\n\n\n\n<li>income is unstable<\/li>\n\n\n\n<li>recently changed jobs<\/li>\n\n\n\n<li>work less than 3-6 months<\/li>\n<\/ul>\n\n\n\n<p>Even a high income doesn&#039;t always help,<br>if it is shown incorrectly.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. Umowa zlecenie or B2B without history<\/h2>\n\n\n\n<p>Banks are more willing to give mortgages under umowie o prac\u0119.<\/p>\n\n\n\n<p>If:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>umowa zlecenie<\/li>\n\n\n\n<li>dzia\u0142alno\u015b\u0107 less than 12 months<\/li>\n\n\n\n<li>unstable income<\/li>\n<\/ul>\n\n\n\n<p>the bank may refuse.<\/p>\n\n\n\n<p>But this does not mean that a mortgage is impossible.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. No residence card<\/h2>\n\n\n\n<p>The absence of a residence card is a common reason for refusal.<\/p>\n\n\n\n<p>Especially for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>citizens of Belarus<\/li>\n\n\n\n<li>new clients in Poland<\/li>\n<\/ul>\n\n\n\n<p>With a residence card, the chances are much higher.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. Too small a down payment<\/h2>\n\n\n\n<p>Minimum usually:<\/p>\n\n\n\n<p>10\u201320% cost of the apartment.<\/p>\n\n\n\n<p>If<a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/pervonachalnyj-vznos-dlya-ipoteki-v-polshe-skolko-nuzhno-inostranczu\/\" data-type=\"post\" data-id=\"378\"> contribution<\/a> small -<br>The bank may refuse even if you have a good income.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5. Bad or no credit history in Poland<\/h2>\n\n\n\n<p>If in Poland:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>there were no loans<\/li>\n\n\n\n<li>no installments<\/li>\n\n\n\n<li>no history<\/li>\n<\/ul>\n\n\n\n<p>The bank does not understand the client.<\/p>\n\n\n\n<p>Sometimes this is resolved within a few months.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Mistake #1 after refusal<\/h1>\n\n\n\n<p>The most common mistake:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>the person just gives up.<\/p>\n<\/blockquote>\n\n\n\n<p>Or goes to another bank without preparation<br>and receives a second refusal.<\/p>\n\n\n\n<p>After two refusals it becomes more difficult.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">What to do if the bank refuses<\/h1>\n\n\n\n<p>The first thing is to understand the real reason.<br>Not &quot;insufficient income&quot;, but real.<\/p>\n\n\n\n<p>Often the situation can be corrected by:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>show income correctly<\/li>\n\n\n\n<li>wait for experience<\/li>\n\n\n\n<li>increase the contribution<\/li>\n\n\n\n<li>choose another bank<\/li>\n\n\n\n<li>prepare documents<\/li>\n\n\n\n<li>improve your credit history<\/li>\n<\/ul>\n\n\n\n<p>In 2-6 months the situation may be completely different.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">Real practice 2026<\/h1>\n\n\n\n<p>Most of the clients who were initially rejected,<br><a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">as a result, they get a mortgage.<\/a><\/p>\n\n\n\n<p>But only if you approach it correctly.<\/p>\n\n\n\n<p>Each bank in Poland evaluates foreigners differently.<br>What doesn&#039;t suit one bank is suitable for another.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">When the chances of getting a mortgage are high<\/h1>\n\n\n\n<p>If you have:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>stable income<\/li>\n\n\n\n<li>work in Poland<\/li>\n\n\n\n<li>down payment<\/li>\n\n\n\n<li>plan to live in the country<\/li>\n<\/ul>\n\n\n\n<p>\u2014 there is almost always a chance to get a mortgage.<\/p>\n\n\n\n<p>Even if one bank has already refused.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">If you were denied a mortgage<\/h1>\n\n\n\n<p>If you have been rejected and don&#039;t understand why,<br>It&#039;s better not to apply to banks at random.<\/p>\n\n\n\n<p>First, it\u2019s worth calmly assessing the situation:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Is there a chance of approval?<\/li>\n\n\n\n<li>Which bank will actually give it?<\/li>\n\n\n\n<li>how much income is needed<\/li>\n\n\n\n<li>what contribution is required<\/li>\n\n\n\n<li>Is it worth applying now?<\/li>\n<\/ul>\n\n\n\n<p><a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\"><strong>You can write to me and discuss your situation without obligation.<\/strong><\/a><\/p>\n\n\n\n<p>Often, even after a refusal, it is possible to develop a clear plan<br>and after some time, calmly get a mortgage and buy an apartment in Poland.<\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>\u0415\u0441\u043b\u0438 \u0432\u044b \u043f\u043e\u0434\u0430\u0432\u0430\u043b\u0438\u0441\u044c \u043d\u0430 \u0438\u043f\u043e\u0442\u0435\u043a\u0443 \u0432 \u041f\u043e\u043b\u044c\u0448\u0435 \u0438 \u043f\u043e\u043b\u0443\u0447\u0438\u043b\u0438 \u043e\u0442\u043a\u0430\u0437 \u2014 \u0432\u044b \u043d\u0435 \u043e\u0434\u0438\u043d.\u0421\u0435\u0439\u0447\u0430\u0441 \u043c\u043d\u043e\u0433\u0438\u0435 \u0438\u043d\u043e\u0441\u0442\u0440\u0430\u043d\u0446\u044b \u0441\u0442\u0430\u043b\u043a\u0438\u0432\u0430\u044e\u0442\u0441\u044f \u0441 \u0442\u0435\u043c, \u0447\u0442\u043e<\/p>","protected":false},"author":1,"featured_media":458,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-457","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\/457","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=457"}],"version-history":[{"count":1,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/457\/revisions"}],"predecessor-version":[{"id":459,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/457\/revisions\/459"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media\/458"}],"wp:attachment":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media?parent=457"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/categories?post=457"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/tags?post=457"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}